This summer, IENA is excited to welcome exchange visitors from around the world to the US! Whether you will be working at camp or on the summer work and travel program, we want all of our visitors to be ready for anything- including the not-so-fun stuff.
Most exchange visitors have opted to use the insurance provided by IENA. Whether you have IENA’s insurance plan or not, we want you to be ready for anything.
Health insurance in the US is a complicated and tricky business. For many exchange visitors, you may come from a country where your healthcare is completely free, or very low cost. Unfortunately, this is not the case in the US. Healthcare in America can be VERY expensive.
In America, not all doctors accept all types of insurance. If a doctor accepts your insurance, we call that “In Network.” If a doctor is “In Network” and accepts your insurance, your doctor’s visit should be low cost, or free, depending on the nature of your visit.
You ONLY want to visit a doctor who is “In Network” and accepts your insurance!
If a doctor does NOT accept your insurance, this is “Out of Network.” THIS WILL BE VERY EXPENSIVE. To avoid visiting a doctor who is “Out of Network,” ALWAYS call before you go to the doctor, to make sure they accept your insurance.
If you have IENA’s insurance and need to see a doctor, please call the Insurance Hotline (number listed on your Insurance Card.) This hotline will help you find a doctor in your location, who accepts your insurance. We HIGHLY recommend that if it is not an emergency, to call this hotline first to find an “In Network” doctor before your visit.
Please ONLY go to the Emergency Room in the US if it is a serious or life-threatening accident or illness. With IENA’s insurance, if you visit the Emergency Room and are NOT directly admitted to the hospital, it will cost $350 USD.
Please print out and carry a copy of your insurance card with you at all times- just in case!
For more information about insurance please visit this link!