Understanding your Au Pair Insurance for 2020 and 2021 arrivals
* Depending on your country of origin, you may have some differences in your benefits. This is a summary of the basic plan. Go to your Au pair portal to confirm which insurance plan you have.
- Before it becomes an emergency, google where is the closest CVS minute clinic to me! If you do not have a medical condition that is life-threatening, CVS minute clinics and Walgreens stores are great choices for medical care. These clinics do not require an appointment and are open early and late.
- Little symptoms can become big emergencies. Don’t risk your Au Pair experience by waiting until you are extremely ill before seeking medical advice.
- If you have more than a small medical issue, call your insurance company to discuss your benefits and options before incurring a large medical bill that you will have to pay. (800) 303-8120, prompt 5 or 203-399-5130 or email firstname.lastname@example.org
- Hospital Emergency rooms are for life-threatening conditions only. An additional 500.00 deductible will be charged to you if you do not have a life-threatening emergency. When in doubt go to a CVS minute clinic. You will not have to pay the additional ER deductible if you are directed by a medical professional to go to an ER.
- Download your insurance card. Keep your insurance card with you at all times Or, have the mobile app on your phone with myCISI phone app for iphone or android.
- You can go into your Au Pair Insurance portal to print out a new card with your host family’s address on it. Make an account and save your password. Or, you can use the mobile app on your phone to do this.
- The basic plan of insurance will have a 50.00 deductible for each sickness or injury. There will be a co-pay amount you will pay for your care and a percentage of the cost of the service. The insurance will determine what is the usual and customary charge for the service you received.
- Be prepared by saving up two weeks’ stipend to cover any medical cost.
- If you pay for medical care or prescription medicine, you can fill out a claim form and mail it in to get CISI to pay you their portion (once you have met your deductible). A claim form can be found on the mycisi portal.
- Use Well RX to lower your prescription cost. https://www.wellrx.com/prescription-discount-card/
- Au Pairs do not have dental insurance (with exception of the upgraded medical policy which does have a 500.00 pain relief benefit). Avoid crunching on hard food or candy!!
- Read about sports insurance upgrade to determine if this will help you. If you are injured during a sporty activity- the insurance may not cover it. This can be found on your MyCISI portal.
- Routine wellness checks and vaccinations are not covered under CISI. Before getting a vaccine, ask if there is a charge to administer the shot and what your cost will be.
- Birth Control pills and routine GYN visits are not covered by CISi. Consider your local health department or Planned Parenthood as a good option for these services.