Insurance Information
Frequently Asked Questions
- Workers’ Compensation
- Additional Insurance
- Social Security
- Making a Doctor’s Appointment
- Important Contacts
- Frequently Asked Questions
Frequently Asked Questions About Insurance
What is a Co-Pay?
Although your insurance plan will pay most of your medical bill, they do require you, as the patient, to pay a small portion. This portion is called a co-pay. Under your insurance plan you will have a co-pay for every doctor’s office visit, a hospital stay, or other form of care. For every visit, you will pay the co-pay and the insurance will pay the remaining qualified expenses. If you visit an out-of-network doctor, you can expect a larger co-pay for each doctor’s office visit.
What is a Deductible?
This is the amount you must pay for 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 deductible for visiting the emergency room (unless you are admitted overnight, at which point the fee is waived). This means if the emergency room bill is less than your deductible, you will have to pay the entire bill; if it is more than your deductible, then you will only pay the deductible and the insurance company will pay the remaining amount of qualified expenses.
When I telephone the doctor to make an appointment and they request the name of my insurance, what do I tell them?
The plan utilizes the UnitedHealthcare Network, so when calling or talking with providers, please mention this name or show the provider a copy of your insurance ID card with the UnitedHealthcare logo on it for network recognition. Alternatively, or if any issues arise, please call the insurance company immediately for assistance. Depending on when you arrived in the US, your insurance company will either be Seven Corners or IMG. Please refer to your insurance ID card to confirm the name of your insurance company.
Can I go to any doctor?
Yes, you are free to visit any provider you wish, but it it not advisable to see doctors outside of the provider network. The benefit of staying within the preferred provider network is that bills and invoices may be settled directly without any payment (apart from your deductibles) on your part.
What does my insurance NOT cover?
Common exclusions on your insurance plan include dental (teeth), vision (eyes), pre-existing conditions, birth control pills, injuries resulting from high-risk activities (such as motorcycle riding, electric scooter riding, or hang-gliding), long-term treatment, & regular exams/check-ups. However, please log into your Student Zone (see links above) for a copy of your insurance brochure that will contain a full listing of the plan exclusions.
What should I do if I am feeling suicidal?
Some, but not all, mental health expenses will be covered by your insurance plan. Mental health care can be expensive and not all doctors or clinics offer these services. If you are feeling suicidal, we suggest you contact one of the following organizations:
- National Suicide Prevention Lifeline
- Mental Health America
- NYCWell (for participants in New York City)
Should I go to a hospital emergency room?
We generally recommend that you visit a doctor’s office or urgent care clinic for treatment. You will likely have a shorter wait time, and urgent care clinics tend to be much less expensive than hospital emergency rooms. Generally, you should ONLY visit a hospital emergency room if you are experiencing a serious injury or a life-threatening illness.
Am I or are my dependents subject to any requirements in the Affordable Care Act?
Most likely you and your dependents are not subject to ACA requirements. For more information, please read this blog post.
Does my employer provide insurance?
Your host employer may offer you health insurance as part of your compensation package. A health insurance policy may be a good addition to the coverage that you have during your program. However, you may not cancel the accident and sickness coverage purchased through InterExchange. The InterExchange-arranged policy is designed to meet the insurance requirements set forth by the U.S. Department of State and will provide benefits specific to being on an international exchange program.
What if I lose my insurance confirmation card?
Please visit your Student Zone to download your insurance ID card from the MyDocuments section.
What do I need to take with me when I go to the doctor’s office?
You should take with you:
- Insurance confirmation card with your Individual
- Policy Number
- Passport (to use as Identification)
- DS-2019 Form (just in case they need to see it)
How/where do I get my individual insurance policy number?
Your insurance ID card contains both your Group ID (this is the same for all participants under the plan) and your certificate ID, which is unique to you and is your individual insurance policy number.
Who has to file a claim form?
All Career Training USA Interns/Trainees who receive medical treatment must file a claim form.
When should I file the claim form?
As soon as possible after going to the doctor’s office and no later than 90 days after you received treatment. After 90 days, you will not be reimbursed for your medical expenses.
What does the insurance company need from me in order to process the refund?
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 has charged you) with the diagnosis written on the doctor’s letterhead.
If my medical provider sent the bill directly to the insurance claims department, do I still have to fill out a claim form?
Yes, but the bill and claim form do not have to be mailed in together. As long as the medical provider sent in the bill you only have to send in your claim form. However, sending both together may help to expedite payment of your bill.
How do I find out the status of a claim?
You may call/email your insurance company to check on your claim. Alternatively, you can create an account on the insurance website to track the claim virtually. Visit the Claims Center of your Student Zone for instructions on creating an account on the insurance website.
I received an unpaid bill from the doctor’s office I visited. What should I do?
First, call the doctor’s office to ask if they have submitted the bill to your insurance company. If they did not receive your correct insurance information, you may give them your insurance company’s details so that your claim can be processed. If the bill was submitted to the insurance company but has not yet been processed, please contact the insurance company directly in order to check on the status of your claim.
I am unhappy with the results of my insurance claim. What steps can I take?
If a claim has been processed and you are not happy with the results, you can request that the insurance company review the claim again. To do this, you can email an appeal to the insurance company to request another review.
