Why Should You Consider Purchasing an Additional Health Insurance Plan?

The EPI Group Health Insurance Plan and the Dependent Plan (Plan E PLUS) are designed to meet the J visa mandatory U.S. State Department’s requirements. Some medical conditions may require additional coverage that is not available on the basic Plan.  Please consider purchasing an additional health insurance plan if you have the following medical conditions:

• Pre-existing Condition - If you have a pre-existing condition, the basic EPI Group and Dependent Health Insurance will not cover your medical expenses associated with this condition. Please consider purchasing an additional plan that includes pre-existing condition coverage to avoid having to pay for your medical expenses for this condition out-of-pocket.
  

• Extensive Medical Treatment - The maximum coverage for EPI Group and Dependent Health Insurance Plan is $100,000 per illness or injury and some surgeries and treatments can exceed the $100,000 benefit. If you have a medical condition that requires surgery and on-going treatment, you may want to consider purchasing an additional plan to avoid having to pay for your medical expenses for this condition out-of-pocket.
  

• Maternity Coverage – If you are planning to become pregnant or are already pregnant, you will need to purchase an additional medical plan that includes maternity coverage. There is NO COVERAGE for maternity on EPI Group and Dependent Health Insurance and all expenses associated with your maternity will be your responsibility if you do not purchase a plan with maternity coverage.
  

• Mental Health – If you would like to see a psychologist or psychiatrist for assistance with your mental health, you should consider upgrading to a Plan that includes coverage for counseling.

Plans may be purchased through the Market Place subject to Federal and State regulations through http://www.healthcare.gov/.  Open Enrollment is from November 1, 2024 to January 15, 2025.  Open Enrollment is the time period you are eligible to enroll for health insurance through the Affordable Care Act Market Place.  You may also check to see if you are eligible for early enrollment if you meet one of the approved Qualifying Life Events - https://www.healthcare.gov/glossary/qualifying-life-event/.   Market Place Plans are not sold by VISIT® Insurance.  Please direct all questions regarding the plans sold through the Market Place to http://www.healthcare.gov.  

Please Note:  EPI Teachers and Dependents must stay enrolled in the basic Plan E Plus to meet the J visa requirements. Purchasing a health insurance plan through http://www.healthcare.gov or any other health insurance provider will be in addition to the basic coverage.  You are not permitted to waive the basic coverage.