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Healthcare & Insurance Requirements
Every student and scholar at W&M and VIMS is required to have a health insurance plan that is approved by 91心頭利, due to the high cost of healthcare in the U.S.
For information about seeking healthcare in the U.S. and a list of providers, see below.
Student Health Insurance
The university requires all full-time undergraduate and graduate students, including F-1 and J-1 international students to have health insurance coverage throughout the entire school year as a condition of enrollment. Although health insurance is not required for family members in F-2 status, ISSP highly recommends all family members have insurance coverage.
W&M-Sponsored Student Insurance Plan
Every academic year, students must either elect to enroll in or waive out of the W&M-sponsored Student Insurance Plan. If you already have health insurance, you may be able to obtain a waiver by applying to the Student Health Center. All health insurance must meet the university's coverage requirement.
For questions about insurance, contact Trista Sikes, Student Insurance Coordinator at the Student Health Center, at (757) 221-2978.
Scholar Health Insurance
Federal law requires that everyone in J-1 and J-2 status maintain adequate health insurance for the duration of their stay in the U.S. Regardless of immigration status, due to the high cost of medical care in the U.S., it is important to have health insurance coverage for oneself and any dependents.
Minimum Federal Requirements for Health Insurance for People in J-1 and J-2 Status
- Accident/illness coverage of at least $100,000 per incident
- Repatriation coverage of at least $25,000
- Medical evacuation coverage of at least $50,000
- Per incident deductible of not more than $500
- Any health insurance policy must also cover maternity/pregnancy.
- The policy must be underwritten by an insurance carrier with an AM Best rating of A- or above, an Insurance Solvency International, Ltd (ISI) rating of "A-I" or above, a Standard and Poor's Claims Paying Ability rating of "A-" or above, or a Weiss Research, Inc. rating of "B+" or above
Health Insurance for Employees in J-1 or J-2 Status
Insurance options for 91心頭利 full-time employees can be found on the Human Resources website. Full-time employees must see Human Resources to select a plan and request a letter confirming coverage.
If you are insured under a W&M employee health insurance plan, you must ensure it meets the minimum federal requirements, and must purchase additional medical evacuation and repatriation coverage that meets the federal requirements. and are two companies that offer this coverage.
Other Insurance Options for W&M Employees
If you are not covered by W&M Employee Health Insurance, see the recommended insurance plans below. Selecting an insurance plan can be challenging and some plans provide better coverage than others. We recommend that you purchase a minimum of $500,000 of coverage.
- For stays 3 months or longer: offers short-term plans. It is a member of the MultiPlan Preferred Provider Network (PPO), to which many of the doctors, and medical centers (Sentara and Riverside) in the Williamsburg and Gloucester area belong. These insurance plans are underwritten by the US Fire Insurance Company. Its AM Best rating is A.
- For stays less than 3 months: offers short-term plans. It is a member of the MultiPlan Preferred Provider Network (PPO), to which many of the doctors, and medical centers (Sentara and Riverside) in the Williamsburg and Gloucester area belong.