The required J-1 insurance covers you for the program dates (start and end date) listed on your DS-2019 form. AJ1 highly recommends you purchase insurance for any additional dates you will be in the U.S. (before and after).

Yes. Your insurance identification card, which is located on your confirmation of insurance form, is your proof of insurance. Doctors will ask for this card whenever you receive medical attention. It is important to carry it with you at all times in case of an emergency.

As a general rule, most accidents and sudden illnesses are covered, whereas routine examinations, vaccinations, routine dental, or vision services are excluded. For more information - including limits, restrictions, copays, and more - please read your summary of benefits.

Routine examinations, vaccinations, regular dental treatment, and vision services. You should take care of these needs before you travel to the United States. In addition, expenses related to pre-existing conditions are not covered. If you suffer from a chronic disease such as asthma or diabetes, you need to ensure that your health insurance at home covers you for any costs related to these sicknesses while in the United States. It is important to note that medical insurance in the United States does not automatically cover all sporting accidents. Your medical insurance covers some sports like non-organized, non-contact activities, recreational downhill skiing, snowboarding and recreational scuba diving. It does not cover contact sports such as soccer, basketball, American football, ice hockey, adventure sports and extreme sports. A complete copy of the Certificate can be obtained at: https://www.envisageglobalinsurance.com/admin/plan/certificate/?id=918(https://www.envisageglobalinsurance.com/admin/plan/certificate/?id=918) If you choose to do any of those activities it is at your own risk and are encouraged to seek additional coverage. For more information, check out the student zone at: https://www.envisageglobalinsurance.com/student-zone/american-hospitality-academy/(https://www.envisageglobalinsurance.com/student-zone/american-hospitality-academy/)

This is the emergency line in the U.S. that links directly to the local police station in your area. If you have an emergency and need assistance from the police or ambulance, dial 911. Do not call this number if it is not an emergency (you are being or have been a victim of a crime, accident, or fire); in some cities, you could be fined.

If you currently take medication and will continue this medication while on the program, you should bring enough to last the duration of the program, and you should have all these products properly packaged and labeled before leaving your home country. Please check with your local embassy about any specific documents you may need to enter the U.S. with this medication. If you lose or run out of your medication, you will have to visit a U.S. doctor. Your prescription from home is not valid in the US. AJ1 recommends you bring enough medication for the duration of your program. Note that the dispensing of birth control is not a free service in the United States, nor is it covered by your insurance.

Your policy has limited dental coverage. AJ1 recommends seeing a dentist prior to coming on your program.

Some, but not all, mental health expenses will be covered by your insurance plan. Mental health care can be expensive and not all doctors or clinics offer these services. If you are feeling suicidal, we suggest you contact one of the following organizations: • National Suicide Prevention Lifeline • Mental Health America

If you are hurt on the job, notify your employer immediately, even if you don't feel you need medical attention. Worker Compensation is a government mandated insurance program for workers, who suffer injury or illness as a direct result of their jobs. In the U.S., each State has a government agency that oversees the program. Workers Comp benefits vary greatly state by state. Workers' compensation benefits typically include reimbursement for healthcare services and partial wage replacement for the period during which the employee cannot work. AJ1 is not an expert in workers’ compensation law, therefore the participant should ask HR and or request the telephone number of the WC provider to understand the workers compensation benefits. For example, when do benefits start? In some States the first 10 days are not paid. How much are the benefits? In most States it is a percentage of wages, not full wages. They will also want to ask, who pays the benefits - typically the wage replacement is paid by the insurance company, not the employer. How and when they can expect to begin receiving wage replacement benefits. ALL of these questions, we are unable to answer, they must be answered by the HR or WC insurance provider.