Participant Health Insurance

The U.S. Department of State requires all exchange visitors to have health insurance for the duration of their training program. In order to ensure compliance with these regulations, Cultural Vistas offers the following health insurance coverage options.

Individual PlansFamily Plan
Health Insurance Plan Benefits
Detailed plan summaries are available for download by clicking on the plan name.
Standard Lite
$55 per month
 Enhanced
$95 per month
Family Standard
$510 per month
Medical Maximum$100,000 per person, per occurrence$250,000 per person, per occurrence$100,000 per person, per occurrence
Deductible$100 per person, per occurrence$25 per person, per occurrence$100 per person, per occurrence
Emergency Room Deductible$250 for illness and not admitted$100 for illness and not admitted$250 for illness and not admitted
CoinsuranceAfter you pay the deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected medical maximum. There is an out of pocket maximum of $1,000After you pay the deductible, the plan pays 100% to the medical maximumAfter you pay the deductible, the plan pays 100% to the selected medical maximum
Prescriptions100% to medical maximum100% to medical maximum100% to medical maximum
Dental
(Accident Coverage)
To a maximum of $2,000 per occurrenceTo a maximum of $2,000 per occurrenceTo a maximum of $2,000 per occurrence
Dental
(Sudden Relief of Pain)
To a maximum of $200 per occurrenceTo a maximum of $200 per occurrenceTo a maximum of $200 per occurrence
Emergency Medical Evacuation/ Repatriation$50,000 (in addition to medical maximum)$50,000 (in addition to medical maximum)$50,000 (in addition to medical maximum)
Return of Mortal Remains$25,000$25,000

$25,000

Emergency Medical Reunion$1,000$2,500

$1,000

Return of Minor Child(ren)N/AN/AOne-way economy airfare with escort (if required) back to members home country
Interruption of Trip$1,000$2,500

$1,000

Local AmbulanceGround ambulance maximum: $1,000 air ambulance maximum: $10,000Ground ambulance maximum: $1,000 air ambulance maximum: $10,000Ground ambulance maximum: $1,000 air ambulance maximum: $10,000
Accidental Death and DismembermentN/A$50,000 principal sum for insuredN/A
Home Health Care N/ACovered following a hospitalization of at least 3 daysN/A
Physiotherapy N/AOutpatient – $100 per visit, max 20 visitsN/A
Mental and Nervous N/AInpatient – Payable 100% up to $10,000 (max 45 days). Outpatient – Payable 75% up to 40 visits, 60% thereafter N/A
Home Country Coverage N/AIncidental trips up to $1,000N/A
Motor Vehicle Accidents100% to medical maximumUsual, reasonable and customary to the selected medical maximumUsual, Reasonable and Customary to the selected medical maximum
Substance Abuse TreatmentN/AInpatient – up to 28 days, Outpatient – up to 30 visitsN/A
Pre-existing Conditions during first 12 months N/AUp to $5,000N/A
Political Evacuation$5,000 per occurrence$10,000 per occurrence$5,000 per occurrence
Natural Disaster Evacuation N/AUp to $10,000N/A
Annual Mammogram/Pap SmearN/AAnnual mammogram and cervical cytologic screening (pap smear)Annual mammogram and cervical cytologic screening (pap smear)
Preventative & Primary Care for Minor Dependents N/AN/ACovered for minor dependents
Routine Newborn Care N/AN/AUp to $1,000
Routine Prevention for Minor Dependents N/AN/AUnder age 12: Unlimited, ages 12-18 3 visits per year maximum
Hospital Room and Board100% of usual, reasonable and customary100% of usual, reasonable and customary100% of usual, reasonable and customary
Intensive Care100% of usual, reasonable and customary100% of usual, reasonable and customary100% of usual, reasonable and customary
Outpatient Medical Expenses100% of usual, reasonable and customary100% of usual, reasonable and customary100% of usual, reasonable and customary
Recreational Ski/Snowboarding N/AIncluded up to the policy maximum, please refer to exclusion 26 for full detailsN/A
Assistance ServicesIncludedIncludedIncluded

 

Health and Accident Insurance

Participants should always carry the Cultural Vistas-issued health insurance card with them. If participants are in an accident or need medical attention unexpectedly, they will need to show proof of coverage under a health insurance policy. Except in the event of potentially life threatening medical emergencies, clinics, doctors, and hospitals will ask to see the health insurance card before treatment is administered. Procedures for payment of medical treatment vary, but participants should expect to have at least some out-of-pocket costs for each medical treatment they receive.
If you have a pre-existing condition and/ or require prescribed medication: