• Patriot Exchange Program with $100,000 benefit per illness/injury or higher meets the US Dept of State standards for Exchange visitors (J visa) which are: At least $100,000 per illness, repatriation of remains of $25,000, Medical evacuation benefits of $50,000, and a deductible not to exceed $500 per accident or illness.
• Patriot Exchange allows members to use any medical provider and receive the same benefits. Our members also have access to the UnitedHealthcare Options network which provides access to the broadest top tier national network in the US. If you use the UnitedHealthcare Options network providers, you will be eligible for simplified claims processing. For many claims, the provider will submit the claim, and no member claims forms will be required.
• J1/F1 visa holder and their J2/F2 dependents can buy IMG Patriot Exchange Program. If the J2/F2 dependents join the J1/F1 later, they can purchase alone for different dates.
• You can select the day after you submit application or any later date as your insurance effective date. The insurance can only be effective after you arrive in the foreign country for your exchange program.
• Group Plan available for groups of 5 or more unrelated individuals (non-family members). Must use one credit card to pay for the whole group.
• Other available options include: travel protection for baggage and valuables, legal assistance, personal liability coverage, adventure sports coverage
• Preventive care including well physical exams and vaccines are not covered. Plans covering wellness benefits typically cost $200-$300 or more per month. Ask us about inexpensive and sometimes free ways to receive these services.
• To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
• If you have a destination outside the US you are eligible to purchase at a lower premium cost.
• IMG Patriot Exchange Program includes benefits for mental nervous, and substance abuse up to $10,000 for an inpatient stay, and up to $500 outpatient.
• The plan includes a bedside visit benefit for a family member to be with the insured when they are in the intensive care unit up to $1,500.
• There is a $20 walk in clinic copay (instead of the deductible – only for deductibles $100 or higher).
• There is a $50 urgent care copay (instead of the deductible – only for deductibles $100 or higher).

• The $50,000 benefit level does not meet J visa requirements. If you don’t need to meet J visa requirements and want to purchase the $50,000 benefit level use these purchase links.

Buy Patriot Exchange Program with $50,000 maximum
Buy Group Patriot Exchange Program with $50,000 maximum, For 5 primary insured or more