Before you leave for the U.S.
Read your insurance brochure
- The name of your insurance company is Seven Corners, provided through Envisage Insurance Services. Your insurance provider network is called UnitedHealthcare.
- You are insured from your arrival in the U.S. through the 30-day grace period at the end of your program. If you will be arriving more than one week early, you will need to purchase the Insurance for Early Arrival (valid for up to 30 days before program start date) for $60.
- Be sure to understand the maximum amounts of coverage, the services/procedures that are covered, deductibles, and co-pays.
NOTE: If you arrived in the U.S. prior to December 31, 2019, please refer to this brochure
Find a general care practitioner, urgent care center or walk-in medical clinic in your U.S. host city.
- Basic accident and sickness insurance does not cover routine annual exams or pre-existing conditions (e.g. diabetes, asthma, etc.). If you require regular care, you may pursue a more comprehensive health insurance policy on your own.
Using your insurance while in the U.S.
Print your insurance ID card
Familiarize yourself with the Online Insurance Center
Find a medical provider in the UnitedHealthcare network:
NOTE: Interns or Trainees in the 50 states should use the UnitedHealthcare on the above link.
Intern or Trainees in Guam and Saipan should click on the link for Well Abroad.
Tip: You can also visit a local walk-in clinic or an urgent care center
Make an appointment
Show your ID card at the doctor's office
Pay your deductible ($50)
- What is a deductible? This is the amount you must pay before the insurance company will start to cover the costs.
Ask the doctor's office to send your medical bills to the insurance company
- Keep records of all receipts and paperwork from your medical visits.
- Make copies of all receipts and claim forms before sending them to your insurance provider.
IMPORTANT: Even if the doctor sends a bill to our insurance provider, you MUST submit a claim as well in order to receive reimbursement.
Fill out a Claim Form/Proof of Loss Form
- What is a claim form? It is a form/application you must fill in after going to the doctor in order for the insurance company to pay your medical bill. You can download your Claim Form here.
Send it to firstname.lastname@example.org
IMPORTANT! You have 90 days from the date of service to submit the Proof of Loss Form to the insurance company. If you submit it late, your claims will be denied and you will be responsible for paying your medical bills.
Call 911 or visit the Emergency Room (ER) at your local hospital if you experience a serious injury or life-threatening illness. Your deductible for visiting the ER when you are not admitted to the hospital is $250. However, if you are admitted and kept overnight, you will not be subject to the deductible.
- If you are going for emergency care by yourself, try to go to an urgent care center rather than an emergency room, if possible. They can provide you high-quality emergency care but at a lower cost.
- If you require an ambulance, you will be taken to the nearest emergency room
Please contact InterExchange about any illness or hospitalization that causes an interruption in your program (missing days) or requires regular follow-up and treatment so that we may assist you.
For a Non-Emergency Accident or Illness:
- You must have a regular doctor whom you can see for non-emergency accidents and illnesses, like a cold or sore throat. You will need to call your doctor and schedule an appointment whenever you are feeling unwell. Do not go to the emergency room for any injury or illness that is not an emergency.
Bring any medications that you take on a regular basis with you, and ask your doctor to write a prescription if you will need a refill in the U.S. Call your airline to ask how much of the medication you can bring. You may need to bring a letter from your doctor to verify your prescription. Prescriptions for ongoing illnesses or care are not covered by your InterExchange-arranged insurance, which only covers unexpected illnesses and injuries.
If you receive prescription medication during your program for an unexpected illness or injury, pay for your prescription medication and submit a copy of your payment receipt with a completed Proof of Loss Form to email@example.com to get reimbursed.
All host employers are required to have workers’ compensation insurance in place (unless exempt). If you are injured at work, speak with your human resources department about how to file a workers’ compensation claim.
For more information, please read this overview of Worker’s Compensation Insurance Policies.
Your health insurance plan does not cover you if you go 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. For more information on how to stay healthy and safe while in the USA, please visit our Resource Center.
Hello, my name is <Your Name>. I am calling to make an appointment with Doctor <Name of the Doctor>. I have an American insurance plan provided by Seven Corners. My insurance uses the UnitedHealthcare provider network and this doctor is listed as in-network. When is the next available appointment for new patients?
Mailing Address: Attn. Claims 303 Congressional Boulevard Carmel, IN 46032
Need more information?
Visit our Frequently Asked Questions on Insurance.