Gravity International Programs Inc Insurance for Interns and Trainees

Gravity International Programs Inc J visa holders have required coverage as follows:

1. Medical benefits of $100,000 per accident or illness;
2. Repatriation of remains of $25,000;
3. Medical evacuation of $50,000;
4. Deductible not over $500 per accident or illness.

These requirements are the same as the USDOS standards. TaiAn Plan B with $100,000 benefit per illness or injury and four deductible options is the most popular plan that meets the requirements. TaiAn Plan S with $100,000 benefit per illness or injury and $500 deductible option is the lowest cost plan that meets the requirements. You can also choose Taian Plan B or Plan S with a higher benefit if you need more benefits than your visa requires.

After submitting an application online successfully, you will receive an Email confirmation (DECLARATION OF MEDICAL INSURANCE) in a few minutes which contains the links to your insurance ID card and Visa Letter. Click the links to get the PDF version of your ID Card and Visa Letter. You can use the email confirmation together with Visa Letter to prove that you have purchased insurance that meets your requirements.

All Plans on this Page Cover COVID-19 Same as any Illness

Gravity International Programs - Interns and Trainees	Plan B (TaiAn Patriot Exchange) Most Popular	Plan S (TaiAn Exchange Select) Lowest Cost
Insurance Provider	IMG (International Medical Group)	IMG (International Medical Group)
Medical Provider Network	UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.	UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Medical Benefits per Accident or Illness or Injury	Options: $100,000 $250,000 $500,000	Options: $100,000 $250,000 $500,000
Repatriation of Remains	$25,000	$25,000
Medical Evacuation	$50,000	$50,000
Prescription Drugs	Usual Reasonable and Customary Charges up to $250,000	Inpatient In UnitedHealthcare Options Network 80% coinsurance. Inpatient Out of Network or Outpatient 70% coinsurance. URC with period of coverage limit of $250,000
Pre-Existing Conditions	After 12 months of continuous coverage	After 12 months of continuous coverage
Deductible	$100 per illness $0 annual $250 annual $500 annual	$100 per illness $250 annual $500 annual
Coinsurance	Insurance pays 100%	Insurance pays 80% Insured pays 20%
Emergency Room	URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization	URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization
Hospital Room and Board	Average Semi-Private Room	Average Semi-Private Room
Intensive Care	URC (Usual, Reasonable, and Customary)	URC (Usual, Reasonable, and Customary)
Urgent Care Clinic	$40 copay instead of deductible. $0 copay for $0 deductible plan.	$40 copay instead of deductible.
Bedside Visit	$1,500 Benefit for Bedside Visitor while in Intensive Care. Not Subject to Deductible.	$1,500 Benefit for Bedside Visitor while in Intensive Care. Not Subject to Deductible.
Teladoc	No Deductible, No Coinsurance.	No Deductible, No Coinsurance.
Accidental Dental	Injury $500, Sudden Pain $350	Injury $500, Sudden Pain $350
Accidental Death	$25,000	$25,000
Sample Price $100,000 Medical Benefits $0 annual deductible Same Price for J1, J2, F1, F2	Age Monthly Premium <25 $61.06 25-49 $83.73 50-64 $168.19
Sample Price $100,000 Medical Benefits $100 per illness deductible Same Price for J1, J2, F1, F2	Age Monthly Premium <25 $50.60 25-49 $69.32 50-64 $139.23	Age Monthly Premium <25 $42.34 25-49 $55.15 50-64 $118.05
Sample Price $100,000 Medical Benefits $250 annual deductible Same Price for J1, J2, F1, F2	Age Monthly Premium <25 $48.85 25-49 $65.52 50-64 $134.55 Most Popular Plan	Age Monthly Premium <25 $41.08 25-49 $53.49 50-64 $114.51
Sample Price $100,000 Medical Benefits $500 annual deductible Same Price for J1, J2, F1, F2	Age Monthly Premium <25 $43.88 25-49 $60.06 50-64 $121.10	Age Monthly Premium <25 $38.21 25-49 $49.74 50-64 $106.50 Lowest Cost Plan
Special Dependent Rates	One Child under 10 free with each Parent Purchased	One Child under 10 free with each Parent Purchased
Buy Individual or Family Plan Now	Plan B (TaiAn Patriot Exchange) Buy Now	Plan S (TaiAn Exchange Select) Buy Now
Individuals Join a Group for 10% Discount	Join Group for 10% Discount Buy Now	Join Group for 10% Discount Buy Now
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Large Network of Quality Medical Providers

Our members have access to the UnitedHealthcare Options network which provides access to the broadest top tier national medical network in the US.  If you use the UnitedHealthcare Options network providers, you will be eligible for simplified claims processing.  For many claims, the provider will submit the claim, and no member claims forms will be required.

With Plan B Taian Patriot Exchange you can use any medical provider in the network or not in the network and receive the same medical benefits.

With Plan S Taian Exchange Select you will receive better benefits if you use a network provider. 

Other Medical Plans that meet your requirements

• IMG Patriot Exchange Program
  • Similar to Taian Patriot Exchange but more expensive.
  • Adds benefits for mental nervous claims
  • For more information or to buy click here: Patriot Exchange Program
• IMG Student Health Advantage
  • Designed for people who will live abroad for more than one year.
  • For more information or to buy click here: Student Health Advantage
• IMG Student Health Advantage Platinum
  • Designed for people who will live abroad for more than one year.
  • Includes Maternity Benefit
  • For more information or to buy click here: Student Health Advantage Platinum