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F-2 Dependent Health Insurance

F-2 Dependent Health Insurance 
 
Even though not required, Wheaton College highly recommends that dependents (spouses and children) of students have insurance coverage for the entire time they are in the US. Health care costs in the US are very expensive, making insurance for families critical for access to affordable medical care.  
 
Types of Health Insurance for F-2 Visa Holders 

  1. Individual Insurance Plan Options 

You can research individual insurance plans.  Some plans may have exclusions and pre-existing conditions limitations.  It is best to consider your medical needs before purchasing a plan. A few examples can be found below: 

 

ISO Student Health Insurance - Affordable Plans for International Students in the USA 

International Student Health Insurance | Cigna Global 

International Student Insurance | Student Health and Travel Insurance Plans  

 

  1. Medicaid: Medicaid is a US government program that provides free or low-cost health coverage to eligible children and pregnant women. To determine if your family members are eligible, please contact the DuPage County Health Department (630) 682-7400. You can also apply via this website.  

Medicaid CAUTION: Students should be advised that there is disagreement about whether F-2 visa holders are authorized to receive government benefits like Medicaid while in the U.S. in non-immigrant status. F-1 visa students and dependents are expected to arrive to the United States with sufficient funds to cover all necessary costs. The argument is that receiving benefits like Medicaid can mean the government considers you a “public charge,” or someone who is using benefits meant for residents and citizens. This is argued even if some guidelines explain that exceptions are made for pregnant women and children. Therefore, we advise caution as you consider if this is something you want to pursue. If the law around “public charge” changes or becomes clearer, receiving Medicaid benefits could impact a future application (new visa, change of status, etc.) for your dependent. For more information, read the current public charge rule from USCIS or contact an immigration attorney. 

 

Health Centers for Uninsured or Underinsured 

A local option for health care that accepts underinsured or uninsured patients + offers discounts is the VNA Health Care in Carol Stream, which you can learn about on the VNA website.