Insurance

Pan Atlantic ensures that all program participants have health insurance that meets the requirements set out by The United States Department of State. Pan Atlantic purchases an insurance policy on behalf of each program participant for the duration of the program as indicated on the DS-2019. Failure to maintain a compliant health insurance policy will result in the end of your J-1 visa eligibility.

The minimum insurance requirements set out by the Department of State are:

medical benefits of at least $100,000 per accident or illness;
repatriation of remains in the amount of $25,000;
expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $50,000; and
a deductible not to exceed $500 per accident or illness.
may require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards;
may include provisions for co-insurance under the terms of which the exchange visitor may be required to pay up to 25% of the covered benefits per accident or illness; and
must not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates.

Once you have confirmed your US arrival date Pan Atlantic will purchase your insurance policy. Insurance policy information and your insurance identification card will be sent to you by email. You will also receive instructions to access an online health insurance account that gives access to policy information, claims details and the insurance card 24 hours a day.

Please take a moment to view an introductory video describing the health insurance that you will have while in the United States.

Introduction to U.S. Health Insurance

You can also review the Health Insurance Policy coverage information here.

All program participants and any accompanying dependents may be subject to the requirements of the Affordable Care Act. The requirements of the Affordable Care Act may exceed the Department of State insurance requirements.

If you are ill and need to see a doctor, please call the insurance company in advance to verify the terms of your coverage. The insurance company can tell you in detail what sorts of visits are covered and which doctors and hospitals are in your network. Of course, if the situation is an emergency you should go to your nearest hospital.

If you receive a questionable bill, be sure to call the insurance company if it is not clear. Always keep copies of your receipts from your doctor visits.

Pan Atlantic does not administer or adjudicate claims against this insurance.