Insurance Information
Which insurance plan do I have?
- If you are an au pair who arrived in the USA before January 1, 2011 please click here to access insurance information.
- If you are an au pair who arrived in the USA between January 1, 2011 and December 31, 2011 please click here to access insurance information.
- If you arrived in the USA on or after January 1, 2012, insurance coverage details differ from previous years. See the brochure about new insurance coverage for details. If you have additional questions, contact our office for information about your insurance coverage at aupair@interexchange.org or 800.287.2477.
13th Month Insurance Plan
Any au pair who purchases the 13th Month Insurance will remain on the most recent insurance plan.
Insurance Basics
Q: What is a Co-Pay?
A: Although Insurance plans pay most of a person’s medical bill they do require you as the patient to pay a small portion of them. This portion is called a co-pay. Under your insurance plan you will have a $30 co-pay for every doctor’s office visit, a hospital stay, or other care. For every visit you will pay $30 and the insurance will pay the remaining expenses. If your doctor’s bill is $350, you will pay $30 and the insurance will pay $320.
Q: What is a Deductible?
A: This is the amount you must pay out of your pocket towards medical expenses before the insurance company is obligated to pay - outside of the USA this is also known as excess. Under your insurance policy you have a $250 deductible for visiting the Emergency Room (unless you are admitted overnight, at which point you will only have a $30 co-pay). This means if the emergency room bill is less than $250 you will have to pay the entire bill, if it is more than $250 then you will only pay $250 and the insurance company will pay the remaining amount.
Q: When I telephone the doctor to make an appointment what do I tell them the name of my insurance is?
A: Beech Street or NPPN.
Q: Can I go to any doctor?
A: No, you must go to a doctor who accepts your insurance plan. Different doctors work with different insurance companies. Your insurance plan will only pay your medical bill if you visit a doctor that they are in partnership with.
Q: What does my insurance not cover?
A: Dental (teeth), Vision (eyes), pre-existing conditions, birth control pills, long term treatment and preventative medicine.
Insurance Paperwork
Q: What if I lose the insurance confirmation card and brochure I was given at orientation?
A: The exact same card and brochure are available for you to download and print off of the InterExchange website.
Q: What do I need to take with me when I go the doctor’s office?
A: You should take with you:
- Insurance confirmation card (given to you at Orientation)
- Individual Insurance Policy Number (given to you by your Local Coordinator)
- Passport (to use as Identification)
- DS-2019 Form (just in case they want to see it!)
Q: Who/where do I get my individual insurance policy number from?
A: About two weeks after orientation, InterExchange receives your individually-assigned number from the insurance company. InterExchange then passes it on to your LC, who will then give it to you.
Q: What if I have to go to the doctor’s office before I have received my individual insurance policy number?
A: If you must go to the doctor and you have not yet received your insurance number, first call your LC to see if he/she has it. If he/she does not have it please call InterExchange and someone will speak with TIS and get this number for you.
Claim Forms
Q: What is a claim form?
A: It is a form/application a person must fill in after going to the doctor in order for the insurance company to pay their medical bill.
Q: Who has to file a claim form?
A: All au pairs who go to the doctor must file a claim form.
Q: When should I file the claim form?
A: As soon as possible after going to the doctor’s office.
Q: What does the insurance company need from me in order to process the refund?
A: A signed and dated claim form and either the physician’s bill or a fully itemized statement of charges (a complete list of everything the doctor’s office is making you pay for) with the diagnosis written on the attending Physician’s (the doctor whom you saw) letterhead.
Q: If my medical provider sent the bill directly to the insurance claims department do I still have to fill out a claim form?
A: Yes, the claims department still needs a claim form from the au pair in order to identify the medical bill they received from the medical provider.
Q: If my medical provider sent the bill directly to the insurance claims department do I have to submit an additional copy of it with my claim form?
A: No, the exact bill and claim form do not have to be mailed in together. Therefore as long as the medical provider sent in the bill you only have to send in them your claim form.
Traveling and Health Insurance
Q: Am I covered under the insurance plan when I travel outside the country?
A: Your health insurance plan does not cover you if you go on vacation back to your home country and get sick. The insurance plan does cover you if you get sick while on vacation in all other countries.
STS Au Pairs
Au Pairs who arrived in the USA via the International Cooperator STS need to contact Gouda Alarm Center (+45 3315 6060 alarm@gouda.dk) and/or your International Cooperator for all medical assistance.
If you applied to be an au pair through STS Sweden, STS Denmark or STS France, your insurance is arranged by that agency. You can download information about your policy below. Any questions about your coverage should be directed to the office through which you applied.
STS au pairs that arrived in the U.S. after February 1, 2010 have an insurance policy through Falck Travelcare.
Falck Travelcare Documents:
Falck Insurance Brochure
Falck Insurance Instructions
Falck Claim Form
Falck web site
STS au pairs that arrived in the U.S. before February 1, 2010 have an insurance policy through Gouda Travel Insurance.
STS Sweden: Tel. +46-31-600430 E-mail: aupair.sweden@sts.se
STS Denmark: Tel. +45-33-37-71-67 E-mail: info@sts.dk
STS France: Tel: +33-328-362-732 E-mail: aupair.france@sts.fr
Gouda Insurance Instructions
Gouda Claim Form
Gouda Insurance Brochure
13th Month of Insurance
Au pairs remaining in the U.S. for the 30 day travel period MUST purchase a 13th month of insurance for $50 to remain covered during the travel period. Complete the 13th Month Insurance Extension form and return it to our office along with a money order two weeks before the end of your 12th month.
Doctor's Visit Procedure
- Go to a doctor on the preferred provider network.
- Give the doctor your insurance card (from orientation) and personal policy number (from your local coordinator).
- Ask if the doctor is or is not going to send the itemized treatment bill directly to the insurance company.
- Download the claim form from the above link and fill it in.
- Make a copy of the claim form.
- Mail the completed form, signed and dated, to the address at the top of the claim form page along with the itemized treatment bill if your medical provider did not submit the bill themselves. If they did, just send in the claim form.
