Accident & Sickness Insurance
A Guide to Using Insurance in the United States
Health care in the U.S. is very different from health care in other countries!
Non-emergencies - You must have a regular doctor whom you can see for non-emergency accidents and illnesses like a cold or sore throat.
Emergencies – You should only visit urgent care centers, hospitals, or emergency rooms if there is an actual emergency, such as a broken bone or serious cuts and burns. Costs for using emergency rooms for non-emergency illnesses can be up to 75% more expensive.
Accident & Sickness Insurance Guide:
- Familiarize yourself with your insurance policy
- Find a general doctor in your U.S. city who accepts your insurance policy
- Locate and record the addresses of the urgent care centers and emergency rooms near your housing.
- Speak with your host employer about Workers' Compensation Insurance coverage
- For a non-emergency accident or illness:
- For an emergency:
- Keep records of all receipts and paperwork from your medical visits
- In order to receive reimbursement, most insurance providers require you to submit a claim form for each incident
If you purchased insurance through InterExchange Career Training USA, please also do the following:
- Please visit www.interexchange.org/resources/insurance.html
A fan of independent cinema and proponent of the Oxford comma, Matthew began his career at a Miami-based tech startup before returning to West Virginia University to pursue his M.A. in Foreign Languages. He has worked at InterExchange since 2006 and currently serves as a Marketing Project Manager.