| Insurance Provider | 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. Outside of the US you can go to any medical provider and receive the same benefits. |
| Plan Type | Designed specifically for international scholars and students (F1,F2,J1,J2,OPT,M1,M2, and other education or exchange related visa types). Purchase monthly or daily, renewable up to 4 years if initial purchase is 1 month or more. |
| Maximum Benefit | Unlimited lifetime. Options $50,000, $100,000, $250,000 or $500,000 per illness/injury |
| Deductible (Insured pays before insurance pays) | Two options: 1) $100 per illness/injury; 2) Annual deductible ($250 or $500) Annual deductible is Taian Exclusive! |
| Student Health Center Copay | Student Health Center: $5 copay, no deductible Teledoc: no deductible, no coinsurance |
| Illness or Injury Coinsurance | In US - 20% coinsurance in UnitedHealthcare Options Network. 30% coinsurance out of Network. Outside US - 20% coinsurance. |
| Family Premium | For each adult insured there is no cost for a dependent child under 10. Available on Individual policies, not group. |
| Maternity Coinsurance | N/A |
| Hospital Room & Board | Average semi-private room |
| Intensive Care | URC(Usual Reasonable and Customary) |
| Mental Health and Substance Abuse | N/A |
| Emergency Room | Emergency Room: URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization Urgent Care Clinic: $40 copay instead of deductible. |
| Prescription Drugs | Inpatient In UnitedHealthcare Options Network 80% coinsurance. Inpatient Out of Network or Outpatient 70% coinsurance. URC with period of coverage limit of $250,000 |
| Accident Dental | Injury $500, Sudden pain for sound natural tooth $350 |
| Accidental Death & Loss of Limb | $25,000 |
| Bedside Visit | $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. |
| Medical Evacuation | $50,000 |
| Repatriation of Remains | $25,000 |
| Pre-existing conditions | After 12 months of continuous coverage Teladoc - Telephone based doctor visits free - No deductible, No Coinsurance and no exclusion for pre-existing conditions. |
| Group Pricing | Five or more primary insureds have 10% off. An individual joining TaiAn Special Group also has 10% off. $5 fee per member per purchase or renewal |
| Benefit Details | https://purchase.imglobal.com/PlanDescription/TAIAN_SELECT/BenefitsContent |
| Sample Contract | http://producer.imglobal.com/producerdocuments.ashx?documentid=3247 |
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Medical insurance for students studying abroad or participants of cultural exchange programs
TaiAn Exchange Select is TaiAn's custom low cost international student and scholar insurance plan offering. It has all the benefits of the TaiAn Patriot Exchange but there is more cost sharing to keep the premium rates low. The 20% coinsurance on TaiAn Exchange Select keeps premium rates low and makes it our lowest cost plan for J visa holders in the US. TaiAn Exchange Select is designed for international students and scholars. There are insurance plans for Scholars and Students traveling to the US with a variety of US visa's (F1 visa, J1 visa, OPT, and M1 visa). Dependents are also eligible to purchase. Anyone involved in education outside their country of residence is eligible to buy. You can purchase online at any time and you may select any future date to be your insurance policy's effective date. The plan comes with several deductible options, and benefit levels to meet a wide variety of needs. All J visa holders are required to meet the US Department of State (USDOS) J1 insurance requirements for the duration of their visa. TaiAn Exchange Select with at least $100,000 benefit per illness or injury and three deductible options meets this requirement.