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Options for care- What an au pair needs to know!
Au pairs can go to mini clinics for a number or illnesses:
Colds, flu, Cold sores, ear infections
Coughs, headaches, migraines, insect bites, head lice
Urinary tract infections, Sinus infections, rash, Ringworm,
Upper respiratory infections, Pink eye, skin irritations
Stomach aches, diarrhea, nausea and vomiting
Seasonal Allergies
Some examples of mini clinics are:
Urgent Care Center
Walk in clinic
CVS Minute Clinics
Walgreens Take Care Clinics
Walmart Clinics
Target Clinics
Kroger Clinics
Primary Care Physician office (This is will require an appointment and might not be available on the same day or after hours)
Mini clinics are open after hours and late hours and do not require an appointment. When visiting these clinics or physicians office please direct receptionist to look on back of card for details of your net work. You are a part of the First Health Network.
To Search for a doctor or clinic in your immediate area go to www.culturalinsurance.com and use the U.S Search Provider Tool.
The Customer Service department is available Monday-Friday 9am-5pm Standard Time at 1-800-303-8120 or Claimhelp@culturainsurance.com
For emergencies outside normal hours Team Assist is available at 312-935-1703
Au Pairs should avoid using the Emergency Room if the condition is not life threatening.
Three Reasons you should avoid using the Hospital emergency Room for non-threatening illnesses:
- A 500.00 deductible will be charged if you seek medical care in an Emergency room for an illness that is not deemed to be an emergency. This 500.00 deductible will be charged whether you have the upgraded insurance or the basic insurance. Basic insurance already has a 100.00 deductible, so this would make a 600.00 charge for basic insurance users.
- Typically the wait for treatment in an emergency room will be long.
- Hospital emergency rooms are for those with true life threatening injuries or illness. It is important to keep medical coverage available for those who need this care.
Of course, if you are experiencing a true, life threatening emergency, treatment should be sought in an emergency room!
Information was obtained at
www.culturalinsurance.com
