All J-1 Scholars and their J-2 dependents are required by regulation to have health insurance that meets certain criteria. You must be covered throughout your J-1 program dates, as listed on your DS-2019; however, we recommend you have insurance coverage begin on the first day you arrive in the United States.
You are required to demonstrate that you have health insurance coverage within 15 days of your J-1 program start date.
Coverage Criteria
- Medical benefits per accident or illness of at least $100,000
- Deductible per accident or illness that is not higher than $500
- Co-insurance paid by the individual not to exceed 25 percent
- Medical evacuation to visitor's home country of at least $50,000
- Repatriation of remains of at least $25,000
Information for individuals employed (paid) by UMB is below. Jump to information for visiting scholars (not employed by the University).
Employee Information
If you will be employed by UMB, you are eligible to enroll in a Maryland State Employee medical insurance plan, which you will learn more about in your onboarding session. In addition, you will need to purchase a plan with Medical Evacuation and Repatriation of Remains coverage, because the state plans do not have this coverage.
Because of State of Maryland Benefits rules, the health insurance start date for State of Maryland health plans will be the first of the month following your start date. This is contingent upon you turning in your benefit enrollment forms within 60 days of your start date.
- Example: If your start date is March 2-31, the health plan would be effective April 1
- Example: If your start date is March 1, the health plan would be effective March 1
As a J-1, you are required to maintain health insurance during your entire J-1 program. This means that you MUST purchase a short-term plan to cover the time from your J-1 program start date to the effective date for your Maryland Health Plan.
In your first month, purchase one of the following plans:
In your second month and forward:
- Sign up for Maryland State Employee medical insurance at HR Onboarding
- Purchase one of the following Medical Evacuation and Repatriation of Remains Only Plans:
Visiting Scholar Information
If you are a visiting scholar, it is your responsibility to purchase a health insurance plan that meets the J-1 regulations. See links to companies that sell this type of health insurance below.