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

Coinsurance

After 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 $1,000

After you pay the deductible, the plan pays 100% to the medical maximum

After you pay the deductible, the plan pays 100% to the selected medical maximum

Prescriptions

100% to medical maximum

100% to medical maximum

100% to medical maximum

Dental
(Accident Coverage)

To a maximum of $2,000 per occurrence

To a maximum of $2,000 per occurrence

To a maximum of $2,000 per occurrence

Dental
(Sudden Relief of Pain)

To a maximum of $200 per occurrence

To a maximum of $200 per occurrence

To 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/A

N/A

One-way economy airfare with escort (if required) back to members home country

Interruption of Trip

$1,000

$2,500

$1,000

Local Ambulance

Ground ambulance maximum: $1,000 air ambulance maximum: $10,000

Ground ambulance maximum: $1,000 air ambulance maximum: $10,000

Ground ambulance maximum: $1,000 air ambulance maximum: $10,000

Accidental Death and Dismemberment

N/A

$50,000 principal sum for insured

N/A

Home Health Care

 N/A

Covered following a hospitalization of at least 3 days

N/A

Physiotherapy

 N/A

Outpatient – $100 per visit, max 20 visits

N/A

Mental and Nervous

 N/A

Inpatient – Payable 100% up to $10,000 (max 45 days). Outpatient – Payable 75% up to 40 visits, 60% thereafter

 N/A

Home Country Coverage

 N/A

Incidental trips up to $1,000

N/A

Motor Vehicle Accidents

100% to medical maximum

Usual, reasonable and customary to the selected medical maximum

Usual, Reasonable and Customary to the selected medical maximum

Substance Abuse Treatment

N/A

Inpatient – up to 28 days, Outpatient – up to 30 visits

N/A

Pre-existing Conditions during first 12 months

 N/A

Up to $5,000

N/A

Political Evacuation

$5,000 per occurrence

$10,000 per occurrence

$5,000 per occurrence

Natural Disaster Evacuation

 N/A

Up to $10,000

N/A

Annual Mammogram/Pap Smear

N/A

Annual mammogram and cervical cytologic screening (pap smear)

Annual mammogram and cervical cytologic screening (pap smear)

Preventative & Primary Care for Minor Dependents

 N/A

N/A

Covered for minor dependents

Routine Newborn Care

 N/AN/A

Up to $1,000

 

Routine Prevention for Minor Dependents

 N/AN/A

Under age 12: Unlimited, ages 12-18 3 visits per year maximum

Hospital Room and Board

100% of usual, reasonable and customary

100% of usual, reasonable and customary

100% of usual, reasonable and customary

Intensive Care

100% of usual, reasonable and customary

100% of usual, reasonable and customary

100% of usual, reasonable and customary

Outpatient Medical Expenses

100% of usual, reasonable and customary

100% of usual, reasonable and customary

100% of usual, reasonable and customary

Recreational Ski/Snowboarding

 N/A

Included up to the policy maximum, please refer to exclusion 26 for full details

N/A

Assistance Services

Included

Included

Included

 

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: