Stanford requires all postdocs, regardless of visa status, to be covered by a comprehensive medical plan that is ACA compliant. AStanford's postdoc medical insurance meets these requirements.
Travel Policies are not adequate insurance coverage to meet Stanford's requirement.
Department of State (DOS) regulations require all J-1 visa holders and their J-2 dependents to be covered by medical insurance at all times. The Bechtel I-Center is obligated, by federal law, to cancel the J-1 visa of any Exchange Visitor who willfully neglects to obtain medical insurance for themselves or their family members.
The following requirements have been established by the DOS for the type and amounts of coverage you must carry if you hold J-1* or J-2 status:
- Medical benefits of at least $50,000 per accident or illness.
- Repatriation of remains in the amount of $7,500.
- Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000.
- A deductible not to exceed $500 per accident or illness.
- At least 75% of medical expenses must be covered by the insurance plan.
- May require a waiting period for pre-existing conditions which is reasonable as determined by current industry standards, which does not exceed six months.
- The policy must be backed by the full faith and credit of your home country government or the company providing the insurance must meet minimum rating requirements established by DOS (an A.M. Best rating of "A-" or above, an Insurance Solvency International, Ltd. (lSI) rating of 11 A-i" or above, a Standard & Poor's Claims paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of 11 B+" or above).
The postdoc medical plans meet all of the above requirements except for Repatriation and Medical Evacuation. Repatriation and Medical Evacuation coverage is available for an additional monthly charge through the Postdoctoral Scholar Benefits Program by electing the Extended Travel Assistance Program through United Healthcare Global.
*Stanford postdocs on J1Visa must have at minimum, a medical insurance policy that meets the ACA Minimum Federal Standards.