Amy Bryan, Local Childcare Coordinator

All Cultural Care Au Pairs are insured on a basic plan through Erika Travel Insurance, which is a part of the AETNA network.  Au pairs do have the option to upgrade their plan before their arrival in the US, which lowers their deductible considerably, but this is not a requirement!

Please read this important information regarding use of the insurance plan.  If you have further questions, Cultural Care asks that you contact the insurance company directly for the most accurate information.

Here is a fact sheet to help you with the ins and outs of using your Au Pair insurance, as well as some helpful tips for setting up appointments.

insurance-fact-sheet

HELPFUL TIPS FOR USING YOUR ERIKA TRAVEL INSURANCE

1.  Find a doctor: Look up an Aetna provider on www.aetna.com/docfind/erika.  This will save you money if you use a participating provider.

2.  AETNA vs. ERIKA Insurance: Call the doctor’s office and say you have Aetna insurance, not Erika insurance because they will not recognize the Erika name.

3.  Insurance Card: Bring your Insurance Certificate Card with you to the doctor’s office.

*  ID Number: Give the doctor’s office your CCAP booking number — this is your insurance ID number.  Do not give them the policy number 10462 or 11190, as your ID number because all au pairs have the same policy number.

*  Your Name: Provide the doctor’s office with your FULL name as it appears in your passport or visa.  You must include all of your family names!

*  Billing address: If the doctor does not send Aetna the bill, they will bill YOU instead.  Tell your doctor to send any bills to:   Aetna Student Health, P.O. Box 15719, Boston, MA 02215

*  Deductibles: Do not pay the Aetna provider’s office for the visit except for your deductible, which is $65 for the basic insurance plan, and $35 for the extended insurance plan.  (If you didn’t pay any extra fee for insurance in your home country, you have the basic plan).

4.  Call Aetna if the doctor’s office can’t find your name: Be sure to have the doctor’s office call Aetna at 800-783-7447 to confirm your insurance benefits and coverage dates.  Have them call while you are in the office, so you can have the insurance pay for the visit.  If they cannot reach someone or give you difficulties, be sure to take down the name of the person in the doctor’s office and one of our staff members will contact them during the next business day.

5.  If Aetna does not have your name:  Call Cultural Care’s Operations Department at 800-448-5753 and they will confirm your eligibility with Aetna.  All au pairs have insurance coverage while participating in the program, so do not panic!  It is usually just a clerical mistake that can be easily fixed.

6.  Emergency Room: Remember that there is an extra Emergency Room deductible if you go to the ER!  $150 for basic and $50 for Extended, PLUS your normal deductible of $65 or $35.

7.  Routine Care:  Remember that routine care is NOT covered.  If you go for a doctor’s visit because you do not feel well or something is wrong, remind the doctor’s office that routine visits are not covered and they must send Aetna a bill explaining why you needed treatment.

8.  Hospitalizations or Accidents while driving:  Be sure to contact the Assistance Company in the event that you have to go to the hospital or are in an accident with your car.  The Assistance Companies are open 24/7 and the phone numbers are on your insurance certificated and in the policy booklet.

9.  If you get a bill at home: If you receive a doctor’s bill at home, please contact the insurance company at 800-783-7447 to be sure the insurance has received the bill to pay it.  Otherwise, the doctor will expect payment from you and you may begin to receive Collection Notices.  To prevent this from happening, contact Aetna immediately after you get a bill.

10.  Prescriptions: If you have a prescription, you must first pay for it and then send in a claim form with the receipt from the pharmacy.  Both the cash register receipt and the medication information label attached to the prescription.  You will be reimbursed for all medications except for acne, birth control or medication that you take for a pre-existing condition.

11.  Claim forms:  Go to links section along the right entitled “Medical and Health Information,” and click the link for Erika Insurance, where you can download and print out a claim form.  Just enter your departure date, your home country and your Tour Operator (”Cultural Care Au Pair”) and it will take you to where you can find the forms!