Insurance Explained

HOW DOES THE INSURANCE WORK?

This insurance policy, which IENA has arranged with eSecutive, is designed to meet the needs of J-1 participants. It exceeds the minimum coverage levels required by the US Department of State and has a zero co-pay/deductible.

However, it doesn’t work unless you call the Customer Service Hotline to verify benefits and ensure the accuracy of your information before you seek treatment. Please contact Customer Service at: 1 800 314 3938 Select the telephone prompts available for after­hours emergency assistance. Provide the Customer Service Helpline reference number: (Ref# 01­SES­SUM­08123)

Medical Insurance ID Card

To access your complete insurance information including your Insurance ID-Card and Claims Instructions, please login to your personal MyInsurance area at:

www.esecutive.com/MyInsurance.

To create your account, you will need:

  • Your Last Name
  • Your First Name
  • Certificate / Policy Number
  • Your Date of Birth

You can also use Facebook connect and log-in to MyInsurance with your Facebook account!

Always carry your Insurance ID-Card with you so you can show it to any medical provider, if necessary.

Important – check the dates of your policy. These are the dates as provided by you to your recruiter or IENA and they should match exactly with your flight/travel dates to/from America. If not, please contact your recruiter or IENA immediately.

If you wish to extend your insurance, simply log in to your personal MyInsurance area. Please note that there may be an extra cost if you are exceeding 4 months.

How do I find a doctor?

In the US you should only go to an Emergency Room in case of a serious or life­threatening accident or illness. The emergency room situation in the US is different from emergency room treatments in other countries. The costs for an emergency room visit in the US are significantly higher than treatments at a walk­in clinic, urgent care center or physician’s office.

Please note: You should only go to an Emergency Room in case of a serious or life­threatening accident or illness, for example: Head injuries, Chest pain, Loss of consciousness, Life­threatening situations, Difficulty breathing, Seizures.

In all other cases, as for example: Sports Injuries, Sore throats, Minor cuts, Cold/flu, Sprains and strains, Urinary tract infections, Earaches,  Simple fractures, Minor burns, please use a Convenience Care, Walk­in or Urgent Care Clinic. Search for an Urgent Care Clinic: www.firsthealthlbp.com (Click on the ‘Urgent Care Centers’ link under the ‘Providers’ section).

If you visit the emergency room for an illness that does not result in direct hospitalization you have to pay a co­payment of USD 350. You will not be charged the emergency room co­payment for treatments of illnesses that require direct hospitalization or serious injuries.

If you are going to be hospitalized for any reason, contact Personal Insurance Administrators, Inc. (PIA), to verify coverage at least 3 days prior to planned hospitalization. If you are hospitalized due to an Emergency Medical Condition, please contact PIA within 24 hours of admission, or as soon as you are reasonably able to. You will need to complete a claim form once you receive the hospital bill. Call 1­800­314­3938 to find a provider or verify coverage prior to hospitalization.  Select the telephone prompts available for after­hours emergency assistance. Provide the Customer Service Helpline reference number: (Ref# 01­SES­SUM­08123).