How would an organization or institution advise students with disabilities if it opts to allow or require participants to purchase their own travel health insurance?
If insurance is available through the overseas study program or host institution, participants electing to purchase their own insurance are required to provide evidence of a “mandatory plan with hard waiver,” meaning that the personal insurance coverage must be equal to or greater than that provided by the organization or institution. For J-visa holders, there are minimums for insurance coverage and repatriation defined in the J-visa regulations. People with disabilities in the United States who have Medicaid are not covered while they are outside the United States. Fewer than 10 percent of U.S. undergraduates with disabilities are eligible for Medicaid, however, they primarily are students with mobility, mental and chronic health conditions so losing this coverage can be critical (National Center for the Study of Postsecondary Educational Supports). Students who enroll at universities in countries with national health plans may find they can get some of their medications or treatments
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