Resource Library

Tipsheet
African American man in a manual wheelchair strolls along with others in Japan

What To Do When Insurance Doesn't Cover It

Participants who receive funding for a personal assistant through Medicaid or other government support are not able to use that funding once outside their home country. Travel insurance companies typically do not pay for personal assistants for daily care overseas or durable medical equipment that is not related to a first occurrence of an illness or injury overseas.

Since these costs are unlikely to be covered for people with existing needs, exchange programs or institutions should work with a participant to cover the costs.

Tipsheet
Woman getting henna painted on the palm of her hand

Why Pre-Existing Conditions Matter in Insurance

Plans offered to international exchange participants for less than a year of coverage are not fully licensed products so changes to U.S. health laws through the Patient Protection and Affordable Care Act (ACA) do not apply. These plans can increase costs, have pre-existing condition exclusions, or deny enrollment to an individual based on health status.

Tipsheet
A magnifying glass is held to a document labeled "visa."

Visa Considerations for Exchange Participants with Disabilities

Most international exchange participants are issued a J-1 or F-1 visa in order to enter the United States. Most of the rules and regulations for visas are the same for participants with or without disabilities, but there are also some additional considerations that people with disabilities should know. Find out how visa regulations may be impacted by a chronic illness, a pre-existing health condition, or personal assistance.