Your health insurance-ERIKA

Au Pair Insurance

  • Every Cultural Care Au-Pair arrives to the U.S. with basic insurance coverage through Erika Travel Insurance. For an additional cost, Au-Pairs can purchase optional extended coverage. Erika is affiliated with the AETNA Network, therefore Au-Pairs will get the best coverage when they go to a doctor or hospital in the AETNA Network. Below, we have outlined basic information about both types of coverage. If you have specific questions please you can contact directly to our claims agents at AETNA Student Health,               1-800-783-7447        or e-mail: [email protected]

Basic Insurance

  • All Au-Pairs are covered under Erika Travel Insurance. Before departure, each au pair receives a policy booklet, a few claim forms and an ID card with their Cultural Care Au Pair reference number. The policy number on the Au-Pairs ID card will indicate what type of insurance the Au-Pair carries. For current policy information, a full description of coverage and exclusions and claim forms, you can visit the Erika Insurance Website. Below are the primary features of the basic insurance as of April 2007. Prices and coverage subject to change.

 

Extended Insurance

  • Extended Insurance is an optional insurance plan offered through Erika Travel Insurance for all Au-Pair participants by their home office. Each Au-Pair who purchases this plan is given 12 months of comprehensive coverage, from the date s/he arrives to the U.S. until her/his last legal date of work. Au pairs are able to purchase this insurance plan before they depart for the U.S. Below are the primary features of the extended insurance:

• Dental expenses covered up to $200

 

In the immediate area Summit Medical group : http://www.summitmedicalgroup.com/ takes the insurance, but this could change, so please call ahead and make sure they take AETNA PPO.               908-273-4300       

For affordable dental places, please see the links on the front page titled Au-Pair insurance (dental options).

Additional Month Insurance

  • We highly recommend to all Au-Pairs remaining in the U.S. during the 30 day grace period that follows the completion of their program that they purchase the additional month insurance. An Au-Pair who does not purchase the additional month insurance may not be insured for illness, accidents or losses incurred during the 30 day grace period. To purchase this insurance, an Au-Pair should send in a check or a money order for $125 to the Cultural Care Au Pair Operations department, including a note with their name stating that the check is for the additional month. The additional month insurance can be purchased until up to two weeks prior to the end of the Au-Pair’s program.

Extension Year Insurance

  • All extension au pairs have basic insurance coverage. For an additional cost, au pairs can purchase optional extended coverage. This coverage needs to be purchased before the extension year starts. The price when buying the extended insurance in the USA is:

To purchase this insurance, an Au-Pair air should call the Operations department at               1-800-448-5753        with debit or credit card information, or send in a check or a money order made payable to Cultural Care Au Pair to:
Cultural Care Au Pair
Attn: Operations
One Education Street
Cambridge, MA 02141

How to Find a Doctor in the AETNA Network

 

  • It is recommended that au pairs go to a doctor or hospital within the AETNA Network for treatment. While Au-Pairs are not insured by AETNA, Erika has a partnership that allows Au-Pairs to receive better coverage for medical services performed by an AETNA doctor or hospital.
  • To find a doctor or facility in the AETNA Network, Au-Pairs can search at: http://www.aetna.com/docfind/erika

1. Click on “Enter Docfind” to access the AETNA Provider Directory Page.
2. Fill in “Geographic Information” either by clicking on zip code, city or county.
3. Choose “Provider Category”. The options are “Medical Providers”, “Behavioral Health”, “Hospitals/Institutes of Excellence” or “Facilities (such as lab, walk in clinic, x-ray)”. If you need to see a doctor, select “Medical Providers”.
4. The next step is to choose “Provider Type”. In most cases, you would select “Primary Care Physicians”.
5. The last step of your search is to select a “Plan”. Click on “Open Choice PPO”.
6. Click on “Start Search” for a list of doctors in your area.

How to File a Claim

  • Certain costs, such as prescriptions covered under the policy, must be paid for up front and will be reimbursed by Erika Insurance. If an au pair needs to file a claim for medical services or any other covered expenses, s/he should fill out a claim form and submit it, along with all receipts, to Aetna Student Health, P.O Box 15719, Boston, MA 02215-1201.
  • 12 month extension $475
  • 9 month extension $370
  • 6 month extension $250
  • $95 deductible for NON-AETNA providers and $35 deductible for AETNA providers
  • $50 deductible for emergency room visits, in addition to the standard deductible (This deductible applies to Au-Pairs who began their program or extension program after January 1, 2008)
  • Unlimited medical coverage
  • Coverage for baggage or property loss
  • Coverage for delays and program interruption
  • Coverage for legal costs
  • $95 deductible for NON-AETNA providers and $65 deductible for AETNA providers
  • $150 deductible for emergency room visits, in addition to the standard deductible (this deductible applies to Au-Pairs who began their program or extension program after January 1, 2008)
  • Medical expenses covered up to $50,000
  • Home repatriation up to $7,500

• Please note there is no dental coverage with basic insurance