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  • F1
  • OPT
  • H1B
  • Other
  • Insurance 101
Eligibility
  • Who is eligible to purchase H1B health insurance?

    -Individuals who are in valid H1B status; 

    -Individuals age from 12-39.

  • I am a green card holder/ U.S. citizen. Am I eligible to enroll in Tigerless H1B plans?

    No. Tigerless H1B plans are only available to people in H1B status. You can contact us for more information.

  • My employer provides a group health insurance plan but it is overpriced. Can I choose not to enroll in the group health insurance and purchase an individual plan?

    Yes. You can choose to enroll in an individual plan rather than a group plan.

  • When can I purchase H1B health insurance?

    There is no restriction of open enrollment for Tigerless H1B Health Insurance. You are eligible to purchase it when your H1B status is valid, including grace period, unemployment period and relocating, etc.

  • Am I eligible for Tigerless H1B plans if I just turned into H1B status?

    Yes. You may purchase a minimum of 150 days of coverage at a time.

  • Should I re-enroll in the Tigerless H1B plan if I relocate to another state?

    No, you don’t have to. Tigerless H1B plans use the Aetna network, covering 50 states.

  • Can I enroll my dependents into Tigerless H1B plans?

    No. However, Tigerless provides various plans for people in different visa status including F1, OPT, J1, etc. They can enroll in these plans if necessary.

  • I am an employer. Can I purchase Tigerless H1B plans for my employees?

    Yes. Please contact us for more details in the Support Center.

Choosing a Plan
  • When does the insurance plan become effective?

    Tigerless H1B plan will be effective from July 1st to the next September 30th. You may purchase a minimum of 150 days and a maximum of one full policy year of coverage at a time.

  • Do Tigerless H1B plans provide a 1095 tax form?

    Tigerless H1B plans will not provide a 1095 tax form.Please consult your Tax Advisor.

  • Is it required to pay a tax penalty if I cannot get a 1095 form after I purchase Tigerless H1B plans?

    In 2017, the Trump administration repealed the individual mandate (requirement for everyone to have health insurance), which applied in 2019. However, some states still have an individual mandate at the state level.

Enrollment
  • Can I buy a plan on a monthly basis?

    No. The coverage period of Tigerless H1B health insurance plans start from 150 days and only accept one-time payment.

Cancelling Your Plan
  • Can I cancel or get a refund after my purchase?

    NO. You are NOT allowed to withdraw or get a refund for any reason.

Filing a Claim
  • How can I file a claim?

    In general, if you choose an in-network provider, you won’t pay up front for your medical expenses and will, therefore, avoid the reimbursements. If you have to pay the full amount at the time of service, please check out our website for filing claims. If you need any additional assistance, you can always contact our Support Center.

  • What information do I need to offer when I file a claim?

    Please submit your claim application within 90 days after the date of medical service. We recommend you to submit Itemized Bill, Proof of Payment, Visa Status Document, and claim form to the claim department. Please check out our website for filing claims.

  • How can I check the status of my claim?

    To check the status of your claim, you can contact the claim office directly with info on your insurance ID card. If you need any additional assistance, you can always contact our Support Center.

  • How long does it usually take for a reimbursement to be processed?

    In general, claims are processed within 15-20 business days. It may take longer for some complex claims, so please allow 3-4 weeks for the claim department to process. Once the claim is processed, reimbursement will be mailed in the form of a check to the address designated. Make sure the address in your Tigerless account is your current valid address.

  • Where can I find the claim form?

    Please go to our Resource Center. You can download the corresponding blank claim forms for your health insurance.If you need any additional assistance, you can always contact our Support Center.