Overview
This table explains the types and levels of insurance required based on the Visa Type and Program for International students and scholars at UWF. In addition to the State of Florida requirements, UWF UWF University Policy AC-06.04-03/24 requires any alternative insurance for F1 and J1 students to have at least the same level of coverage as the UWF Group Plan for International Students.
Determining What Insurance Coverage You Need
F-1 Students Requirements pursuant to UWF University Policy AC-06.04-03/24 | F-2 Dependents | J-1 Students Requirements pursuant to UWF University Policy AC-06.04-03/24 | J-1 Exchange Visitors (Professor, Research Scholar, Specialist, or Short Term Scholars) and J-2 Exchange Visitor Dependents Requirements pursuant to CFR 22 § 62.14 | |
|---|---|---|---|---|
| Coverage Requirements | Coverage Period: Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as an eligible student, including annual breaks during that period. Payment of benefits must be renewable. | No federal, state or university requirement for coverage; however, policies are available should one wish to seek coverage for an F-2 dependent. | Coverage Period: Policies must provide, at a minimum, continuous coverage for the entire period the insured is enrolled as an eligible student, including annual breaks during that period. Payment of benefits must be renewable | Medical benefits of at least $100,000 per accident or illness |
| Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 90% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 70% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness. | Basic Benefits: Room, board, hospital services, physician fees, surgeon fees, ambulance, outpatient services, and outpatient customary fees must be paid at 80% or more of usual, customary, reasonable charge per accident or illness, after deductible is met, for in-network, and 60% or more of usual, customary, and reasonable charge for out-of-network providers per accident or illness | Repatriation of remains in the amount of $25,000 | ||
| Inpatient Mental Health Care: Must be paid at 90% in-network or 70% out-of network of the usual and customary fees with a minimum 30-day cap per benefit period. | Inpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of network of the usual and customary fees with a minimum 30-day cap per benefit period | Expenses associated with the medical evacuation of exchange visitors to his or her home country in the amount of $50,000 | ||
| Outpatient Mental Health Care: Must be paid at 90% in-network or 70% out-of network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year. | Outpatient Mental Health Care: Must be paid at 80% in-network or 60% out-of network of the usual and customary fees for a minimum of 30 (preferably 40) sessions per year | Deductibles not to exceed $500 per accident or illness | ||
| Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 90% of usual and customary fees in-network or 70% out of-network. | Maternity Benefits: Must be treated as any other temporary medical condition and paid at no less than 80% of usual and customary fees in-network or 60% out of-network | Insurance policies secured to fulfill the requirements of this section: (1) May require a waiting period for pre-existing conditions that is reasonable as determined by current industry standards; (2) 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 (3) Must not unreasonably exclude coverage for perils inherent to the activities of the exchange program in which the exchange visitor participates. | ||
| Repatriation: $25,000 (coverage to return the student’s remains to his/her native country). | Repatriation: $25,000 (coverage to return the student’s remains to his/her native country) | Any policy, plan, or contract secured to fill the above requirements must, at a minimum, be: (1) Underwritten by an insurance corporation having an A.M. Best rating of “A−” or above; a McGraw Hill Financial/Standard & Poor's Claims-paying Ability rating of “A−” or above; a Weiss Research, Inc. rating of “B + ” or above; a Fitch Ratings, Inc. rating of “A−” or above; a Moody's Investor Services rating of “A3” or above; or such other rating as the Department of State may from time to time specify; or (2) Backed by the full faith and credit of the government of the exchange visitor's home country; or (3) Part of a health benefits program offered on a group basis to employees or enrolled students by a designated sponsor; or (4) Offered through or underwritten by a federally qualified Health Maintenance Organization or eligible Competitive Medical Plan as determined by the Centers for Medicare and Medicaid Services of the U.S. Department of Health and Human Services. | ||
| Medical Evacuation: $50,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge). | Medical Evacuation: $50,000 (to permit the patient to be transported to his/her home country and to be accompanied by a provider or escort, if directed by the physician in charge) | |||
| Deductible: Annual deductible cannot be more than $100. | Deductible: Maximum of $50 per occurrence if treatment or services are rendered at the Student Health Center; maximum of $100 per occurrence if treatment or services are rendered at an off-campus ambulatory care or hospital emergency department facility | |||
| Minimum coverage: $300,000 for covered injuries/illnesses per accident or illness per policy year. | Minimum coverage: $100,000 for covered injuries/illnesses per accident or illness per policy year | |||
| Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(d) of Title 22 of the Code of Federal Regulations | Insurance Carrier must, at a minimum, meet the rating requirements specified in Part 62.14(d) of Title 22 of the Code of Federal Regulations | |||
| Policy must not unreasonably exclude coverage for perils inherent to the student’s program of study. | Policy must not unreasonably exclude coverage for perils inherent to the student’s program of study | |||
| Claims must be paid in U.S. dollars payable on a U.S. financial institution. | Claims must be paid in U.S. dollars payable on a U.S. financial institution | |||
| Policy provisions must be available from the insurer in English. | Policy provisions must be available from the insurer in English | |||
| Pre-existing conditions must be covered up to $2,500 for the first six months of continuous coverage, and then covered as any other injury or sickness after those first six months. | ||||
| Self-Inflicted Injury Benefit: Medical Treatment required as the result of suicide, attempted suicide, drug or alcohol overdose, self-destruction, attempted self-destruction, an intentionally self-inflicted injury or other intentionally self-inflicted action occurring while sane or insane in excess of benefits provided elsewhere in the coverage, if any. |