Insurance Information

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Your insurance information was automatically emailed to you upon arrival in the USA.  Please contact your sponsor organization to receive specific details about your insurance.

KNOW BEFORE YOU GO!

If you need to see a doctor, please always call the toll-free 24/7 Customer Service Hotline provided by your insurance company. Use an Urgent Care or Walk-in Clinic in the USA for Sports Injuries, Sore throats, Minor cuts, Cold/flu, Sprains and strains, Urinary tract infections, Earaches, Simple fractures or Minor burns.

Don’t use an Emergency Room in the USA unless your illness or injury is serious or life-threatening, for example, Head injuries, Chest pain, Loss of consciousness, Life-threatening situations, Difficulty breathing, Seizures.

You will be charged up to $350 (in addition to any other co-payments or deductibles required by your plan) if you use an Emergency Room (ER) for a condition that is not considered serious or life-threatening. Please read your Insurance Policy before starting your travel to review your Emergency Room (ER) co-payment.

In the event of hospitalization please contact your sponsor organization as well as your insurance company as soon as possible. 

Dental Coverage: 

  • Please note, medical and dental insurance are completely separate in the United States. Your medical insurance does not cover any dental procedures including cleanings. You will have to pay the full amount, out of pocket, for visits to the dentist.

Pre-Existing Medical Conditions: 

  • All pre-existing medical conditions are excluded from cover under this policy. Pre-Existing condition means an injury, sickness, disease, or other condition that you had symptoms of or were diagnosed with during the 6 month period before your travel start date. Your condition may also be considered pre-existing if you take medication for the condition during the 6 month period before your travel start date, other than conditions that are stable and controlled entirely by medication.

Workers’ Compensation: 

  • If you are hurt while training at your host company, this injury likely falls under their workers’ compensation insurance. Medical costs will be submitted to the host company’s insurance company. If this does happen, please communicate with HR or your supervisor carefully so that you understand how their workers’ compensation policy works.

Basics of using your insurance: 

  • Please show your health insurance card at the time of your medical visit. The doctor/hospital will bill the health insurance company on your behalf. The health insurance company will then pay their share of your medical treatments. Please be aware, not all procedures are covered and even treatment that is covered may not be paid 100% by the insurance company.  You must contact the health insurance company to understand if your medical condition will be covered.

Medical Bills: 

  • HPUSA representatives are not able to address any questions concerning the specifics of your insurance policy, medical bills or treatments. The insurance company does not share details about your billing or medical care with anyone but you due to privacy regulations. They should be able to explain everything to you very clearly.
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