{"id":320,"date":"2016-05-16T19:13:20","date_gmt":"2016-05-16T19:13:20","guid":{"rendered":"http:\/\/www.j1insurance.net\/blog\/?p=320"},"modified":"2025-12-28T15:21:31","modified_gmt":"2025-12-28T15:21:31","slug":"img-patriot-exchange","status":"publish","type":"post","link":"https:\/\/www.j1insurance.net\/blog\/img-patriot-exchange\/","title":{"rendered":"IMG Patriot Exchange"},"content":{"rendered":"

International Student and Scholar Insurance<\/h2>\n

All Plans on this Page Cover COVID-19 Same as any Illness<\/span><\/h3>\n

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.<\/p>\n

Each of our three products \u2013 Patriot Exchange Program, TaiAn Patriot Exchange, and TaiAn Exchange Select has a group plan available. Group plans are for five or more primary insureds. Patriot Exchange Program Group  saves about 2%-4% on the cost of coverage. TaiAn Patriot Exchange, and TaiAn Exchange Select Group plans save about 10%.  Patriot Exchange Program Group, TaiAn Patriot Exchange Group and TaiAn Exchange Select Group are for five or more.<\/p>\n

Content Update 11\/1\/2024<\/p>\n

A Guide to help Selecting the right plan for your needs<\/a><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
<\/th>\nPlan B (TaiAn Patriot Exchange)
\nMost Popular<\/strong><\/th>\n		Plan S (TaiAn Exchange Select)
\nLowest Cost<\/strong><\/th>\n		PEP ( Patriot Exchange Program )<\/th>\n<\/tr>\n
Citizenship<\/td>\nTwo Plans – One for Travel to the US. One for Travel to non-US destinations<\/td>\nTwo Plans – One for Travel to the US. One for Travel to non-US destinations<\/td>\nTwo Plans – One for Travel to the US. One for Travel to non-US destinations<\/td>\n<\/tr>\n
Insurance Provider<\/td>\nIMG – International Medical Group<\/td>\nIMG – International Medical Group<\/td>\nIMG – International Medical Group<\/td>\n<\/tr>\n
Medical Network Provider<\/td>\nUnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.<\/td>\nUnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.<\/td>\nUnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.<\/td>\n<\/tr>\n
Medical Benefits per Accident
\nor Illness or Injury<\/td>\n		Options:
\n$50,000 – not for J visa
\n$100,000
\n$250,000
\n$500,000<\/td>\n		Options:
\n$50,000 – not for J visa
\n$100,000
\n$250,000
\n$500,000<\/td>\n		Options:
\n$50,000 – not for J visa
\n$100,000
\n$250,000
\n$500,000<\/td>\n<\/tr>\n
Repatriation of Remains<\/td>\n$25,000<\/td>\n$25,000<\/td>\n$25,000<\/td>\n<\/tr>\n
Medical Evacuation<\/td>\n$50,000<\/td>\n$50,000<\/td>\n$50,000<\/td>\n<\/tr>\n
Pre-existing conditions (Illness or Injury)<\/td>\nAfter 12 months of continuous coverage.
Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		After 12 months of continuous coverage.
Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		After 12 months of continuous coverage<\/td>\n<\/tr>\n
Deductible<\/td>\n$100 per illness
\n$0 annual
\n$250 annual
\n$500 annual.
Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		$100 per illness
\n$250 annual
\n$500 annual.
Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		$100 per illness
\n$0 per illness
\n$250 per illness
\n$500 per illness<\/td>\n<\/tr>\n
Student Health Center Copay<\/td>\n$5, no deductible<\/td>\n$5, no deductible<\/td>\n$5, no deductible<\/td>\n<\/tr>\n
Urgent Care Center<\/td>\n$40 copay instead of deductible. $0 copay for $0 deductible plan.<\/td>\n$40 copay instead of deductible. $0 copay for $0 deductible plan.<\/td>\n$50 copay instead of deductible. $0 copay for $0 deductible plan.<\/td>\n<\/tr>\n
Teladoc<\/td>\n$0 copay, no deductible.
Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		$0 copay, no deductible.
Teladoc – Telephone based doctor visits free – No deductible, No Coinsurance and no exclusion for pre-existing conditions.<\/td>\n		Group Plan Only $0 copay, no deductible<\/td>\n<\/tr>\n
Coinsurance<\/td>\nInsurance pays 100%<\/td>\nInsurance pays 80%
\nInsured pays 20%<\/td>\n		In US: In Network 10% to $1,000 maximum Out of Pocket; Out of Network 20%.<\/p>\n

International: No Coinsurance<\/td>\n<\/tr>\n

Hospital Room and Board<\/td>\nAverage semi-private room<\/td>\nAverage semi-private room<\/td>\nAverage semi-private room<\/td>\n<\/tr>\n
Intensive Care<\/td>\nURC (Usual Reasonable and Customary)<\/td>\nURC (Usual Reasonable and Customary)<\/td>\nURC (Usual Reasonable and Customary)<\/td>\n<\/tr>\n
Emergency Room<\/td>\nURC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\nURC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization<\/td>\nURC for injury or illness resulting in hospitalization. Additional $500 deductible for illness without hospitalization<\/td>\n<\/tr>\n
Prescription Drugs<\/td>\nURC with period of coverage limit of $250,000<\/td>\nInpatient In Network 80% coinsurance.
\nInpatient Out of Network or Outpatient 70% coinsurance.
\nPeriod of coverage limit of $250,000<\/td>\n		URC with period of coverage limit of $250,000<\/td>\n<\/tr>\n
Accident Dental<\/td>\nInjury $500, Sudden pain $350<\/td>\nInjury $500, Sudden pain $350<\/td>\nInjury $500, Sudden pain $350<\/td>\n<\/tr>\n
Accidental Death & Loss of Limb<\/td>\n$25,000<\/td>\n$25,000<\/td>\n$25,000<\/td>\n<\/tr>\n
Sample Price
\n$100,000 Medical Benefits
\n$100 per illness deductible
\nSame Price for<\/strong>
\n J1, J2, F1, F2<\/strong><\/td>\n		\n\n\n\n\n\n\n
Age<\/th>\nNon-US Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$37.95<\/td>\n<\/tr>\n
25-49<\/td>\n$48.52<\/td>\n<\/tr>\n
50-64<\/td>\n$111.38<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n
Age<\/th>\nUS Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$50.60<\/td>\n<\/tr>\n
25-49<\/td>\n$69.32<\/td>\n<\/tr>\n
50-64<\/td>\n$139.23<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n\n\n\n\n\n\n\n
Age<\/th>\nNon-US Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$31.76<\/td>\n<\/tr>\n
25-49<\/td>\n$38.61<\/td>\n<\/tr>\n
50-64<\/td>\n$94.44<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n
Age<\/th>\nUS Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$42.34<\/td>\n<\/tr>\n
25-49<\/td>\n$55.15<\/td>\n<\/tr>\n
50-64<\/td>\n$118.05<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n\n\n\n\n\n\n\n
Age<\/th>\nNon US Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$51.94<\/td>\n<\/tr>\n
25-49<\/td>\n$59.36<\/td>\n<\/tr>\n
50-64<\/td>\n$144.16<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n\n\n\n
Age<\/th>\nUS Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$72.08<\/td>\n<\/tr>\n
25-49<\/td>\n$94.34<\/td>\n<\/tr>\n
50-64<\/td>\n$202.46<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n
Sample Price
\n$100,000 Medical Benefits
\n$500 annual deductible
\nSame Price for<\/strong>
\n J1, J2, F1, F2<\/strong><\/td>\n		\n\n\n\n\n\n\n
Age<\/th>\nUS Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$43.88<\/td>\n<\/tr>\n
25-49<\/td>\n$60.06<\/td>\n<\/tr>\n
50-64<\/td>\n$121.10<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Age<\/th>\nUS Destination Monthly Cost<\/th>\n<\/tr>\n
0-24<\/td>\n$38.21<\/td>\n<\/tr>\n
25-49<\/td>\n$49.74<\/td>\n<\/tr>\n
50-64<\/td>\n$106.50<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Lowest Cost Plan<\/span><\/td>\n

<\/td>\n<\/tr>\n
Group for 5 primary insured or more<\/td>\nGroup Plan B 10% off<\/td>\nGroup Plan S 10% off<\/td>\nGroup Plan 2%-4% off<\/td>\n<\/tr>\n
Special Dependent Rates<\/span><\/td>\nOne Child under 10 free with each Parent Purchased<\/span><\/td>\nOne Child under 10 free with each Parent Purchased<\/span><\/td>\nN\/A<\/td>\n<\/tr>\n
Buy Individual or Family Plan Now<\/td>\nBuy Plan B TaiAn Patriot Exchange<\/a><\/td>\nBuy Plan S TaiAn Exchange Select<\/a><\/td>\nBuy Patriot Exchange Plan<\/a><\/td>\n<\/tr>\n
Individuals Join a Group for 10% Discount<\/span><\/td>\nJoin Group for 10% Discount<\/a><\/td>\nJoin Group for 10% Discount<\/a><\/td>\nN\/A<\/td>\n<\/tr>\n
Buy Group Plan Now<\/td>\nBuy Group Plan B(TPE group)<\/a><\/td>\nBuy Group Plan S(TES Group)<\/a><\/td>\nBuy Group Patriot Exchange Plan<\/a><\/td>\n<\/tr>\n
Brochure<\/td>\n<\/a><\/td>\n<\/a><\/td>\n\"Patriot<\/a><\/td>\n<\/tr>\n
More Information<\/td>\n<\/td>\n<\/td>\nIMG Patriot Exchange Program product page<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Our Patriot Exchange program offering from IMG includes three different plans.  We have the IMG Patriot Exchange Program<\/b> that IMG offers through all producers and to the general public.  J1insurance.net\/blog<\/a> also has the TaiAn Patriot Exchange<\/b> and the TaiAn Exchange Select<\/b> Plans.  These offerings add options and features not available through others. The TaiAn Exchange plans offer international student and scholar insurance with added benefits and lower premium cost.<\/p>\n

What’s the difference between the plans?<\/h1>\n

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<\/a><\/span>.<\/p>\n

\n

The same in all the plans<\/h2>\n