H-1B, O-1, TN, and E-3 Scholars
If you will be a full-time salaried employee at NYU, you will most likely receive health insurance benefits through NYU and will be required to pay a monthly premium for that insurance out of your paycheck. If you are not sure whether you will receive health insurance through NYU, please consult with your department.
If you are part-time and not eligible for health insurance through NYU, we encourage you to purchase a plan offered by ISP. Due to the high cost of healthcare in the US, we strongly advise all scholars and their family members to have health insurance for their duration of stay in the US.
Federal regulations require that all J-1 exchange visitors and J-2 dependents have health insurance that meets specified minimum requirements. Coverage must run for the entire duration of the exchange visitor’s program in the US.
Failure to maintain adequate insurance coverage (as detailed below) is a violation of US government regulations that results in immediate termination of your status.
We highly recommend that all scholars and their dependents purchase health insurance coverage before traveling to the United States. We recommend that your health insurance coverage is active prior to traveling.
Minimum insurance requirements for J exchange visitors:
- medical benefits of at least $100,000 per accident or illness
- payment for repatriation of remains in the amount of $25,000
- payment for medical evacuation to home country in the amount of $50,000
- a deductible not to exceed $500 per illness or accident
J-1 NYU Employees
Most of NYU’s Employee health insurance plans (excluding the High-Deductible Health Plan) meet all federal requirements except payment for repatriation and medical evacuation. Therefore, all J-1 exchange visitors and J-2 dependents with NYU Employee health insurance must purchase a supplemental policy that will bring their full health coverage up to minimum federal requirements. Click here to purchase a supplemental plan from ISP.
Your NYU health insurance plan will begin on your first date of employment, so we strongly encourage you to also purchase travel insurance to cover you before your start date if you are arriving in the US early.
J-1 Exchange Visitors and J-2 Dependents Not Receiving NYU Health Insurance
If you are not eligible to receive benefits from NYU, you must purchase an insurance policy to cover yourself and all J-2 dependents. It is your responsibility to ensure you have coverage that meets the J-1 minimum requirements.
We recommend choosing one of the plans offered by ISP. We have verified that all four plans available to our scholars meet the J-1 regulations.
Upon registration with OGS, all J-1 exchange visitors must verify that they (and any J-2 dependents) will be in compliance with the health insurance requirements for the duration of their program. Failure to maintain adequate health insurance at any time during your J-1 program will jeopardize your J-1 status and could result in termination of your status.
- Not all plans offer insurance coverage for pregnancy and maternity. If you or your spouse are pregnant, make sure to confirm with the provider that the plan you've selected covers pregnancy as a pre-existing condition.
- Not all plans cover dependents, and in some cases, the J-1 must be enrolled in the health insurance plan for the J-2 to be eligible.
The Affordable Care Act mandates that all individuals who are considered U.S. residents for tax purposes (as defined by the IRS) carry adequate health insurance coverage. Most J-1 Exchange Visitors are considered nonresidents and are not subject to the mandate. In general, J-1 Exchange Visitors are considered nonresidents if they have been in the United States for less than 2 calendar years. It is the responsibility of the Exchange Visitors to determine whether or not they are subject to the mandate.
If you are eligible for benefits with NYU, the Dental Assistance Plan (for full-time employees) provides some free dental care. Take advantage of it!
- NYU Dental Clinic, 345 East 24th St. at 1st Ave. (M-Thu 8:30am-8pm., F 8:30am-4pm), after hours and weekends, call 212-998-9800
If you are not eligible for NYU benefits, there are private dentists located throughout the city. Do some research online or ask a friend for recommendations.
Selecting a Doctor
When looking for a doctor, it's best to consult with your health insurance provider to find a doctor who accepts your coverage. It’s also helpful to ask people you know for recommendations. Possibly, someone in your department at NYU will be able to recommend someone, or a friend who has visited or lived in the city may know of one. Also, the NYU Medical Center of NYU's School of Medicine is affiliated with a number of doctors and hospitals in the city.
Note: NYU's University Health Center on Broadway at the Washington Square campus is primarily a resource for students. Full-time employees can use the center at times for immunization shots or vision care.