Printer-friendly versionHealth Insurance for Members
The Institute for Advanced Study requires that all incoming scholars have health insurance coverage for themselves and the dependents who accompany them. You are required to complete a Health Insurance Questionnaire indicating that you have adequate medical coverage for the duration of your stay.
The Institute's minimum requirement for health insurance coverage is:
- $50,000 per accident or illness
- $500 maximum deductible per illness
- $10,000 provision for medical evacuation
- $7,500 maximum for repatriation coverage
This is the same as the minimum required by federal regulations governing the Exchange Visitor program for any Member here on a J-1 visa, and any J-2 dependents, for their visas to be in correct status. These are minimum requirements and we encourage you to consider enrolling in a plan that provides more coverage than the minimum.
This requirement can be satisfied in one of three ways:
- By continuing the health insurance coverage provided through your home institution, your granting agency or your government (if applicable), or
- By enrolling in one of the two group health insurance plans offered through the Human Resources Office at the Institute. Coverage in either of the Institute plans typically begins the first day of arrival. Please contact Human Resources upon arrival to enroll so that your coverage begins immediately, or
- If you are a resident of another country, by enrolling in foreign scholar insurance on your own. Individuals on a J visa are required to carry insurance for themselves and their dependents that will provide at minimum, $50,000 per person. There are plans available from HTH Worldwide Insurance and Marsh (Gateway) as well as others. The link below Alternate Health Insurance Options for Foreign Scholars has information on many different plans.
If you have the opportunity to continue your health insurance through your home institution directly or under a COBRA provision, that may be the most advantageous way for you to carry insurance. If you do decide to maintain your current health plan, we strongly encourage you to review the provisions of your plan to insure that you will have adequate coverage while residing in New Jersey. Some plans do not work well outside of the home region.
At the link below you will find detailed information and rates for the two Aetna group health plan options and the UnitedHealthcare dental plan available through the Institute. There are no pre-existing condition exclusions on either of the medical plans that are offered through the Institute. You should make certain that you have valid insurance coverage until your new coverage becomes effective. If you decide not to enroll in one of our plans upon initial hire, you may have the option of enrolling during the open enrollment period. There will be one open enrollment period in November 2012 for a January 1, 2013, effective date.
By enrolling in either HTH, etc., or one of the Institute plans, repatriation and medical evacuation charges, as required for "J" scholars, will be covered. If you are interested in enrolling in one of the plans offered through HTH, etc., please note the limitations of their plans, including some exclusions for pre-existing conditions.
The Institute currently offers a subsidy to Members who meet certain criteria. Please see the link below IAS Health Insurance Subsidy Program for the application and to review the criteria for eligibility.
Should you have any questions regarding health insurance, please feel free to call (609) 734-8243 or e-mail 
.
IAS Health Insurance Plan Information and Rates
Alternate Health Insurance Options for Foreign Scholars