Patriot Exchange Insurance vs ExchangeGuard Insurance
Both Patriot Exchange Program and ExchangeGuard plans are excellent J visa compliant insurance plans.
All J visa holders are required to have a compliant insurance that meets the requirements mandated by the U.S. Department of State.
Both of the plans provide at least $100,000 in incident medical coverage, $50,000 in emergency medical evacuation and $25,000 in repatriation of remains. Even if the sponsoring organizations have additional requirements on top of mandated coverage, both of these J visa insurance plans would satisfy their requirements in most cases.
While both plans are similar to each other, there are a few important and noteworthy differences between Patriot Exchange insurance and ExchangeGuard insurance.
Important Plan Differences
After deductible, pays 100% to policy maximum; or
After deductible, pays 80% to policy maximum
Outside PPO Network: After deductible, URC to policy maximum.
unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay;
unless $0 deductible.
Coinsurance still applies.
Outside PPO network: After deductible, plan pays 80% up to the policy maximum.
Outside US: After deductible, covers at 100% up to the policy maximum.
unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $20 copay;
unless $0 deductible.
Co-insurance still applies.
Both Patriot Exchange and ExchangeGuard are excellent and appropriate options for exchange visitors on J visa. However, looking at the above differences will help you decide the most suitable plan for your needs.
To further compare the benefits among them, please visit J Visa Insurance page and get instant quotes. You will be able to compare them side by side.
Of course, you can always contact us if you need any further help in selecting a plan.
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