Life in the US: Insurance

Life in the US

Life in the United States: Insurance

Regular Insurance Details | Travel Month Insurance

Regular Insurance Details

Lost your insurance card?
Contact the insurance team at (800) 303-8120 ext. 5130 or email claimhelp@culturalinsurance.com. Include your full name, ID number, and your Host Family's address.

All au pairs are covered under a medical insurance policy arranged by Au Pair in America. The cost of this policy is covered by the program fees that the host family pays. Details of the medical insurance, including the policy number, dollar limits of coverage, and exclusions are available in the Insurance Brochures, which you can download below.

Download the Insurance Brochure

Click here if you arrived in 2013.

Click here if you arrived in 2012.

(To read these documents, you will need to download Adobe Acrobat Reader if you do not already have it.)

Need to file a claim?
Click here to get the form. Submit form and attachments to:
Cultural Insurance Services International
River Plaza
9 West Broad Street
Stamford, CT 06902-3788.
For claim submission questions, call (800) 303-8120 ext. 5130 or e-mail claimhelp@culturalinsurance.com.

List of Preferred Physicians, Hospitals and Medical Centers
To access a listing of preferred physicians, hospitals and medical centers in the U.S., please visit http://www.culturalinsurance.com/usprovidersearch/. If there is no participating provider in your area, then you may use any physician or hospital.

Insurance and Claim Filing Process Outline
This is a brief outline of the insurance and claim filing process. Please consult the brochure provided for detailed policy information or contact our insurance team at (800) 303-8120 ext. 5130 or e-mail claimhelp@culturalinsurance.com.

The insurance policy has a deductible (see the Benefits below for details). You need to submit the itemized bills for all insurance expenses to the insurance company, so your expenses can be credited to your deductible. Once this deductible is paid, if the doctor will accept payment from the insurance, the bills can be paid directly to the doctor.

Here are the benefits offered under each plan:

Benefits for au pairs arriving or extending in 2013

			Additional Insurance Options
		Basic Plan	Travel & Sports Package (A)	Medical Upgrade (B)	Travel & Sports (A) + Medical (B)
	Duration	12 months	13 months	12 months	13 months
Medical coverage	Maximum cover	$50,000	$50,000	$500,000	$500,000
	Sports Cover*	No	Yes	No	Yes
	Deductible per incident	$50 (in network)	$50 (in network)	$0	$0
	Co-pay	20% of first $2,500	20% of first $2,500	$0	$0
Baggage cover	Maximum cover Deductible/claim	$2,500 $250	$2,500 $100	$2,500 $250	$2,500 $100
Emergency treatment	Dental ER deductible	$0 $500/claim	$0 $500/claim	$500 $500/claim	$500 $500/claim
Remember that you will not be able to add these insurance options once you have arrived in the US. We recommend that you select both insurance options (Travel & Sports (A) + Medical (B)) when you pay your Au Pair in America Program Fee. This will ensure that you have the maximum level of benefits throughout your stay in America. Insurance Coverage Explained: General Information NOTE: You insurance policy is valid as long as you stay on the Au Pair in America program. If you leave the program the insurance policy is terminated.

Benefits for au pairs arriving or extending in 2012

			Additional Insurance Options
		Basic Plan	Travel & Sports Package (A)	Medical Upgrade (B)	Travel & Sports (A) + Medical (B)
	Duration	12 months	13 months	12 months	13 months
Medical coverage	Maximum cover	$50,000	$50,000	$500,000	$500,000
	Sports Cover*	No	Yes	No	Yes
	Deductible per incident	$50 (in network) $150 (out of network)	$50 (in network) $150 (out of network)	$0	$0
	Co-pay	20% of first $2,500	20% of first $2,500	$0	$0
Baggage cover	Maximum cover Deductible/claim	$2,500 $250	$2,500 $100	$2,500 $250	$2,500 $100
Emergency treatment	Dental ER deductible	$0 $500/claim	$0 $500/claim	$500 $500/claim	$500 $500/claim
Remember that you will not be able to add these insurance options once you have arrived in the US. We recommend that you select both insurance options (Travel & Sports (A) + Medical (B)) when you pay your Au Pair in America Program Fee. This will ensure that you have the maximum level of benefits throughout your stay in America. Insurance Coverage Explained: General Information NOTE: You insurance policy is valid as long as you stay on the Au Pair in America program. If you leave the program the insurance policy is terminated.

Insurance for Extension Au Pairs/Companions:

Any au pair who begins her extension term in 2013 will be covered under the terms of the 2013 plan of insurance.

Au pairs/companions will continue to have full medical coverage provided by the Basic Plan. They will not have to pay any additional amount to continue the basic insurance coverage.

Au pairs/companions who upgraded their insurance prior to arrival in the US must continue with the same upgrade (s) for the extension period, and will be required to pay an additional fee for this coverage. Please check the extension application for information on the cost of insurance upgrade packages for the extension term. In addition au pairs who originally came with the basic insurance, or purchased the medical upgrade insurance can purchase Sports Insurance in the United States for an additional $75. The sports insurance will cover medical treatment for injuries sustained while participating in certain sports such as skiing, ice skating, etc. Review the 2013 Plan of Insurance for a comprehensive list.

How to file a claim:

CISI (Cultural Insurance Services International) is a member of the First Health Network. This means that there is a list of doctors who will accept the insurance, and if you can locate a doctor in your area on this list, they will accept payment from the insurance directly. If you have the basic plan or the Travel &Sports Package, you will have to pay a deductible of $50. In addition, you will have to will have to pay a 20% co-pay of the first $2,500 in medical claims, as long as the condition is covered under the insurance. For a link to search for the doctors in your area, click here.

Please note that when purchasing prescription medication, you must always pay the pharmacy and then submit the receipt for reimbursement. You will need to submit a bill from pharmacy with your prescription information and submit the bill, along with your completed claim form, to Cultural Insurance Services International for reimbursement.

Exclusions:

Some of the most frequently occurring exclusions are the following:

Pre-existing conditions
This is any condition that existed prior to coverage. This also applies even if the condition started before you arrived but you did not have any medical attention. If you had no symptoms or treatment of a condition within the 12 months prior to arrival, then this exclusion does not apply.
Routine services
There is no coverage for any routine medical, dental or vision examinations. This includes physical exams that may be required by school and immunizations.
Alcohol/drug related
Any illness or injury caused by your use of alcohol or illegal drugs is not covered
Birth control, pregnancy testing and pregnancy are not covered
Mental nervous conditions or evaluations for these conditions including eating disorders are not covered.
Dental services are not covered except in the case of an accidental fall or blow to the face causing damage to a sound natural tooth. (If you have the medical upgrade policy or combination policy then you are covered for up to $500 of emergency dental services).

These are the most common exclusions. A full list is detailed in the insurance plan located above by arrival year. If you require a replacement brochure or claim form, please download a brochure at the top of this page.