Health Insurance and Health Care
Health care costs in the United States are extremely high and for that reason alone it is highly recommended that all dependents are covered by medical insurance. All J-2 dependents MUST, as the condition of their lawful status, have a health insurance which covers at a minimum:
- Medical benefits of at least $100,000 per person per accident or illness
- Repatriation of remains in the amount of $25,000
- Expenses associated with medical evacuation in the amount of $50,000
- A deductible that does not exceed $500
For F-2 and H-4 dependents the health insurance is optional, but highly recommended! It is very dangerous not to seek medical care because you are lacking the insurance coverage. The cost of insurance may seem high, but it is much more costly to pay medical bills if you don't have any insurance. UNR students and scholars may purchase the university student health insurance for their dependents or look for an alternative coverage provided by an outside insurance company. For more information please contact OISS.
Be aware that while the state of Nevada provides certain special health programs for its uninsured low income residents, non-immigrants are discouraged from participating in such programs. Taking advantage of federal and state sponsored benefits while in a non-immigrant status, may have a long-term effect on your ability to become a permanent resident at some point of time in a future, and may also have a negative impact on your current stay in the U.S. For more information on this topic please go to point 7 and read the "Public Charge" paragraph. Keep in mind that children born in the U.S. are American citizens and as such are entitled to various health, childcare and other welfare benefits.
For F-1 students health insurance is mandatory and provided by the university. Students will be covered automatically during their semester of enrollment and charged accordingly. Costs of the insurance can be found at http://www.unr.edu/tuition-and-fees/. J-1 Exchange, Government Sponsored and students employed and covered by a US insurance policy have the option to waive the university provided insurance upon request at http://www.unr.edu/shc/students/Insurance.html. A copy of the insurance policy coverages must be provided to the Office of International Students & Scholars for review.
The university provided insurance policy through United is designed as an accident and sickness policy that is affordable to students. There are certain limitations and restrictions of this policy which you can review by reading the Benefits Summary. For more information and pricing, visit our International Insurance Brochure!