DIANins · J1 Exchange program visitor Plans
J1 Purple / Purple+ / Yellow Comparison
All three J-visa tiers share the same chassis — issued by Spectrum Life / Ocean Re, administered by Redbridge, on the Aetna PPO network with Global Reach Rx pharmacy — and each meets the U.S. Department of State's J-1 minimums under 22 CFR §62.14. The tiers differ by deductible, coinsurance, benefit maximum, and pre-existing wait; only Yellow adds vaccines, preventive care, and maternity.
J1 Purple: The entry tier. Meets every J-1 federal minimum at the lowest premium — $100,000 maximum, a $500 deductible, and 80% in-network coinsurance. Best for price-sensitive students.
J1 Purple Plus: Same coverage structure as Purple, but the deductible is halved to $250 and the pre-existing wait drops to 6 months. A small step up that noticeably improves out-of-pocket experience.
J1 Yellow: The top tier. $0 deductible, 100% in-network coinsurance, a $250,000 maximum, plus vaccines & immunizations, preventive care, and maternity ($5,000) — the choice for family-accompanied J-1s and students prioritizing coverage.
💉 Vaccines & immunizations — many U.S. schools require proof of MMR, meningitis, TB and other immunizations before enrollment. Only J1 Yellow covers them (in-network 100%, up to $250); Purple and Purple Plus do not.
✓ Covered✗ Not coveredorange text = has a cap◆ best in this row
| |
J1 Purple80% Coinsurance |
J1 Purple+80% Coinsurance |
J1 Yellow100% Coinsurance |
| Cost Structure |
| DeductibleIn-Network |
$500 |
$250 |
$0◆ |
| DeductibleOut-of-Network |
$500 |
$250 |
$0◆ |
| Maximum benefitPer illness or injury |
$100,000 |
$100,000 |
$250,000◆ |
| Out-of-pocket maximumIn / Out-of-Network |
UnlimitedNo cap |
UnlimitedNo cap |
UnlimitedNo cap |
| CoinsuranceIn-Network |
80%OON 60% · Outside US 80% |
80%OON 60% · Outside US 80% |
100%◆OON 80% · Outside US 100% |
| Pre-existing conditionStudents / Dependents |
12-month wait |
6-month wait◆ |
12-month wait |
| Copays & Everyday Care |
| Copay — Office visitPhysician / Specialist |
$0 |
$0 |
$0 |
| Copay — Emergency RoomWaived if admitted |
$250 |
$250 |
$250 |
| Copay — SHC / Urgent CareStudent Health Center / UCC |
$5 / $0 |
$5 / $0 |
$0 / $0◆ |
| Prescription drugsTier 1 / 2 / 3 · Global Reach Rx |
$20 / $40 / $60 |
$20 / $40 / $60 |
$20 / $40 / $60 |
| Student Health CenterOn-campus services |
100%Deductible waived |
100%Deductible waived |
100%◆Deductible & copay waived |
| Added Coverage |
| 💉Vaccines & ImmunizationsKey benefitMeets school entry requirements |
✗ |
✗ |
✓◆In-Net 100% up to $250 |
| MaternityDelivery, pre/post-natal |
✗ |
✗ |
✓◆$5,000 · spouse 10-mo wait |
| Emergency DentalAccidental, sound teeth |
$500 / period |
$500 / period |
$500 / tooth◆ |
| Palliative DentalSudden onset of pain |
$350 |
$350 |
$350 |
| Evacuation & J-1 Compliance |
| Medical EvacuationCombined maximum |
$50,000 |
$50,000 |
$50,000 |
| Return of Mortal RemainsRepatriation |
$25,000 |
$25,000 |
$25,000 |
| Accidental Death & DismembermentPrincipal sum |
$25,000 |
$25,000 |
$25,000 |
| Meets J-1 §62.14 minimumsFederal requirement |
✓ |
✓ |
✓ |
Shared across all three: Spectrum Life / Ocean Re · Redbridge administration · Aetna PPO network · Global Reach Rx. Eligibility: J1 holders aged 17–64 (undergraduate, graduate, scholar, researcher, educator, intern); OPT and distance-learning students excluded. Non-emergency ER use is reduced to 60% coinsurance. Sponsor note: because Spectrum Life is St. Kitts-domiciled, sponsors requiring an A.M. Best A− (or home-government) backing may ask for separate rating documentation. This summary is for comparison only; the Schedule of Benefits governs.
U.S. Department of State (DOS) health-insurance requirements for J-1 visa holders and accompanying dependents
- Medical benefits: at least $100,000 per accident or illness
- Medical Evacuation: at least $50,000, including repatriation to the home country
- Repatriation of Remains: at least $25,000 in the event of death
- Deductible: no more than $500 per accident or illness
- Co-insurance: must not exceed 25%
- A.M. Best rating of 'A−' or above