IMG Patriot Exchange

IMG Patriot Exchange Program plans meet the U.S. visa travel insurance requirements for studying abroad or participating in a cultural exchange program. This includes visa holders F1, F2, J1, J2, M1, M2 and participants on OPT. Spouses and dependent children are also eligible. Maximum medical benefit per illness, injury, or accident can be- $50,000, $100,000, $250,000, and $500,000. $50,000 does not meet the J visa requirements of the USDOS.

Each of our three products – Patriot Exchange Program, TaiAn Patriot Exchange, and TaiAn Exchange Select has a group plan available. Group plans are for five or more primary insureds. Group plans save about 10% on the cost of coverage. Patriot Exchange Program Group, TaiAn Patriot Exchange Group and TaiAn Exchange Select Group are for five or more.

Content Update 6/5/2019

A Guide to help Selecting the right plan for your needs

 

Plan B (TaiAn Patriot Exchange)
Most Popular
Plan S (TaiAn Exchange Select)
Lowest Cost
PEP ( Patriot Exchange Program )
Citizenship For Non-US citizens only For Non-US citizens only Two Plans – One for Travel to the US. One for Travel to non-US destinations
Insurance Provider IMG – International Medical Group IMG – International Medical Group IMG – International Medical Group
Medical Network Provider UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident
or Illness or Injury
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Options:
$50,000 – not for J visa
$100,000
$250,000
$500,000
Repatriation of Remains $25,000 $25,000 $25,000
Medical Evacuation $50,000 $50,000 $50,000
Pre-existing conditions (Illness or Injury) After 12 months of continuous coverage After 12 months of continuous coverage After 12 months of continuous coverage
Deductible $100 per illness
$0 annual
$250 annual
$500 annual
$100 per illness
$250 annual
$500 annual
$100 per illness
$0 per illness
$250 per illness
$500 per illness
Student Health Center Copay $5, no deductible $5, no deductible $5, no deductible
Coinsurance Insurance pays 100% Insurance pays 80%
Insured pays 20%
Insurance pays 100%
Hospital Room and Board Average semi-private room Average semi-private room Average semi-private room
Intensive Care URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary) URC (Usual Reasonable and Customary)
Emergency Room URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Prescription Drugs URC URC URC
Accident Dental Injury $500, Sudden pain $350 Injury $500, Sudden pain $350 Injury $500, Sudden pain $350
Accidental Death & Loss of Limb $25,000 $25,000 $25,000
Sample Price
$100,000 Medical Benefits
$100 per illness deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $51.90
25-49 $71.10
50-64 $142.80
Age Non-US Citizen Monthly Cost
0-24 $43.43
25-49 $56.56
50-64 $121.08
Age Non US Destination Monthly Cost
0-24 $42.00
25-49 $49.00
50-64 $117.00
Age US Destination Monthly Cost
0-24 $59.00
25-49 $77.00
50-64 $165.00
Sample Price
$100,000 Medical Benefits
$500 annual deductible
Same Price for
J1, J2, F1, F2
Age Non-US Citizen Monthly Cost
0-24 $45.00
25-49 $61.80
50-64 $124.20
Age Non-US Citizen Monthly Cost
0-24 $39.19
25-49 $51.02
50-64 $109.23

Lowest Cost Plan

Group for 5 primary insured or more Group Plan B 10% off Group Plan S 10% off Group Plan 10% off
Buy Individual or Family Plan Now Buy Plan B TaiAn Patriot Exchange Buy Plan S TaiAn Exchange Select Buy Patriot Exchange Plan
Buy Group Plan Now Buy Group Plan B(TPE group) Buy Group Plan S(TES Group) Buy Group Patriot Exchange Plan
Brochure Patriot Exchange Program Brochure And Applications
More Information IMG Patriot Exchange Program product page

 

Our Patriot Exchange program offering from IMG includes three different plans.  We have the IMG Patriot Exchange Program that IMG offers through all producers and to the general public.  J1insurance.net also has the TaiAn Patriot Exchange and the TaiAn Exchange Select Plans.  These offerings add options and features not available through others.

 

What’s the difference between the plans?

TaiAn Patriot Exchange is our most popular plan.   The TaiAn Exchange Select plan has several versions.  One is our lowest cost plan that meets the USDOS standards.

 

 

The same in all the plans

  • Designed specifically for exchange visitors, international scholars and students – visa types F1, F2, J1, J2, OPT.  Meets all US Department of State standards.
    • Medical benefits per accident, illness, or injury $50,000 (Doesn’t meet the J visa requirement), $100,000, $250,000 or $500,000.
    • Repatriation of remains in the amount of $25,000;
    • Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000; and
    • Deductibles not to exceed $500 per accident or illness.
  • UnitedHealthcare Options network provides access to broadest top tier national network in the US with convenient access to simplified claims processing and direct billing.
  • Purchase monthly increments (from 1 to 12 months), renewable up to 4 years. Daily rates available so you don’t pay for parts of a month when your travel has ended.
  • Inpatient and Outpatient (in the hospital or out of the hospital) Medical Benefits included:
    • Hospital Room and Board up to the average Semi-private room rate
    • Intensive Care up to Usual Reasonable and Customary Charges
    • Physical Therapy
    • Physician Visits
    • Student Health Center – with $5 copay and no deductible
    • Prescription Drugs
    • Diagnostic Testing and Lab work
    • Emergency Room with In Patient Hospital Stay
    • Emergency Room without In Patient Hospital Stay – (subject to $250 additional deductible if for illness)
    • Dental Injury due to a covered accident – $500 benefit
    • Dental – Sudden and Unexpected Pain to natural teeth – $350 maximum
    • Accidental Death and Dismemberment $25,000

Key Product Differences

TaiAn Patriot Exchange

TaiAn Patriot Exchange

  • Most Popular plan.
  • Four Deductible Options:
    1. $100 per illness
    2. $0 per year
    3. $250 per year (Only from TaiAn and J1insurance.net)
    4. $500 per year (Only from TaiAn and J1insurance.net)
  • Unlimited Maximum lifetime benefit (Only from TaiAn and J1insurance.net)
  • No Coinsurance – After deductible Plan covers 100% of covered charges – subject to other terms of the plan.
  • Pre-existing conditions covered after 12 months of continuous coverage.
  • This plan is for non-US citizens traveling outside their home country. US Citizens traveling abroad need to look at the Patriot Exchange Program – scroll down the page for more.
  • Sample Prices $100 deductible $100,000 medical benefit:
    1. under 25 (including dependents) – $51.90 per month
    2. 25-49 – $71.10 per month
    3. 50-64 – $142.80 per month
  • Price is the same for F1, F2, J1, J2.
  • J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage.
  • For other benefit and deductible levels click See more details and pricing,  buy now, or the brochure.

Buy Now

Buy Group
5 or more primary insured, 10% lower price

Full Brochure


TaiAn Exchange Select

TaiAn Exchange Select

  • TaiAn Exchange Select with $100,000 medical benefit per illness or injury and a $500 annual deductible is our lowest cost plan meeting US Department of State requirements for J visa holders.
  • Three Deductible Options:
    • $100 per illness
    • $250 per year
    • $500 per year
  • Unlimited Maximum lifetime benefit (Only from TaiAn and J1insurance.net)
  • 20% Coinsurance In UnitedHealthcare Options Network- After deductible Plan covers 80% of covered charges and insured pays 20%- subject to other terms of the plan. This makes the TaiAn Exchange Select less expensive. Coinsurance out of the Medical Provider network is 30%.
  • Pre-exisiting conditions covered after 12 months of continuous coverage.  There is a six month Pre-existing conditions benefit available. An excellent low cost alternative if your school requires pre-exisiting conditions to be covered after six months.
  • This plan is for non-US citizens traveling outside their home country.
  • Lowest Cost Plan Sample Prices $500 deductible $100,000 medical benefit:
    • under 25 (including dependents) – $39.19 per month
    • 25-49 – $51.02 per month
    • 50-64 – $109.23 per month
  • Price is the same for F1, F2, J1, J2.
  • J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage
  • For other benefit and deductible levels click See more details and pricing,  buy now, or the brochure.

Buy Now

Buy Group
5 or more primary insured, 10% lower price

Full Brochure


Standard Patriot Exchange

Patriot Exchange Program

  • This plan is available to US residents traveling internationally or to non-US residents traveling to the US.  The TaiAn Patriot Exchange is lower priced  for Non-US residents traveling to the US.  The Patriot Exchange Program is lower priced for people traveling to a non-US destination.
  • Sample Prices for US residents traveling worldwide $100 deductible $100,000 medical benefit:
    • under 25 (including dependents) – $42.00 per month
    • 25-49 – $49.00 per month
    • 50-64 – $117.00 per month
  • Price is the same for F1, F2, J1, J2.
  • J2 visa holder or F2 visa holder can buy alone if the J1 visa holder or F1 visa holder has other coverage
  • For other benefit levels click buy now or the brochure for pricing.

See more details about IMG Patriot Exchange Program

Buy Now

Buy Group
5 or more primary insured, 10% lower price

Full Brochure

6 Comments


  1. // Reply

    Hello.
    My son, doctor in medicine, 30 years old, has to stay for one year in Mayo Clinic in Minnesota (Rochester) to continue his specialization in urology.
    My son has a motorial disability.
    Can he apply to TaiAn Patriot Exchange standard short-term travel Option D, $250 deductible (per period) at $84.43 per month ?
    I don’t see in any brochure/booklet the word disability …
    If he can’t apply to this type of health insurance, could you let me know who ensure people with motorial disability in compliance with J1-Visa ?
    Thank you


    1. // Reply

      Hi,

      Thanks for your interest!

      So long as your disability does not interfere with day to day normal functioning or ability to be self sufficient (the definition of Disability in the Policy), you are eligible to purchase.

      Any claims related to the disability would be considered a pre-existing medical condition and would not be covered during the pre-existing conditions waiting period. Other illness or injury would would be covered.

      Thanks,

      J1insurance.net


  2. // Reply

    Hello.

    Me and my wife are planning to spend one year at Mayo Clinic in Rochester (Minn) as research fellows.
    We have a 2 years old daughter and we are currently applyng for a J1 VISA. We are interested in TaiAn Patriot Exchange PLAN B. Can we apply toghether for the TaiAn Patriot Exchange PLAN B? Does this type of Insurance plan cover the costs of a new preganncy?


    1. // Reply

      Hi,

      Our plans will meet the requirements for Mayo Clinic and the US Department of State.

      You can apply for Plan B as a family, or you can apply separately. Plan B does not cover maternity expenses. If you want coverage for maternity you can consider Platinum Plan A.

      Details for Plan B are here:

      http://www.j1insurance.net/blog/buy-j1-visa-insurance/

      Details for Platinum Plan A are here:

      http://www.j1insurance.net/blog/student-health-advantage/

      We would be pleased to answer any other questions you have!

      Thanks,

      j1insurance.net
      TaiAn Financial LLC
      (317)318-8259
      taianfinancial.com


  3. // Reply

    Hi, I have a question.

    I`m from Brazil, I`m a medical doctor (28 years old) and I will be doing a one-year research fellow at MGH. I do not have any medical issue or history of illness.

    Any suggestion about the best insurance fits the MHG requirements and my basic needs of medical attention (nothing specific).

    Thanks,
    Ronaldo


    1. // Reply

      Hi Ronaldo,

      Thanks for your interest!

      Your requirements are the US Department of State requirements for J visa holders. Our Plan B (TaiAn Patriot Exchange) or Plan S (TaiAn Exchange Select) can meet all of the requirements. These are the requirements:

      – $100,000 per accident & illness in medical coverage
      – Deductible cannot exceed $500 per illness or injury
      – Medical evacuation coverage must be at least $50,000
      – Repatriation coverage must be at least $25,000

      Please visit: http://www.j1insurance.net/blog/buy-j1-visa-insurance/ for more details. There is a purchase link on that webpage too.

      If you do make the decision to make this purchase, any of the deductible options meet the requirements. Also, choose the maximum per accident & illness no less than $100,000.

      The $250 annual deductible Plan B with a $100,000 benefit per illness or injury will cost $824.40 for a year of coverage for a 25-49 year old.

      The lowest cost plan that meets the requirements is the Plan S with a $500 deductible and a $100,000 benefit per illness or accident. This one costs less because it has 20% coinsurance. A year of coverage will cost $644.52 for a 25-49 year old.

      If you have questions please feel free to contact us through email or by phone.

      Thank you,

      j1insurance.net
      taianfinancial.com
      (317)318-8259

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