Monthly Archives: May 2021

Understanding your Au Pair Insurance 2020 and 2021 arrivals

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 claimhelp@culturalinsurance.com
  • 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.
  • https://www.mycisi.com/CISIPortalWeb/pub/login.aspx?PT=GENr
  • 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.

Look BEFORE you LOCK

LOOK BEFORE YOU LOCK! Prevent hot car deaths!
Tragically, every year children die in cars.
This can easily happen to caregivers who forget the child is sleeping in the rear seat. It also happens when caregivers intentionally leave a child in a  parked car for ” just a second” to run an errand.
In the state of Georgia, it is a crime to leave a child in a parked car or a car with the engine running- even for a second. 
A child can die when their body temperature reaches 107 degrees.
This can happen when the temperature is only 70 degrees and the child is left for 15 minutes!! It is much hotter in Georgia.
In 2020, 25 children died of vehicular heatstroke.
In 2018 and 2019, we saw a record number of hot car deaths — 53 children died each year — the most in at least 20 years, according to NoHeatstroke.org.
Some children were accidentally left in the car and others were left for just a small amount of time while the caregiver went into a house or store.
Everyone Can Help Prevent Hot Car Deaths
1. Never leave a child in a vehicle unattended — even if the windows are partially open or the engine is running, and the air conditioning is on.
2. Make it a habit to check your entire vehicle — front and back — before locking the door and walking away. Train yourself to Park, Look, Lock, or always ask yourself, “Where’s Baby?”
3. Place a personal item like a purse or briefcase in the back seat, as another reminder to look before you lock. Write a note or place a stuffed animal in the passenger’s seat to remind you that a child is in the back seat.
4. Store car keys out of a child’s reach and teach children that a vehicle is not a play area.
Everyone — Including Bystanders can prevent this from happening.
Always lock your car doors and trunk, year-round, so children can’t get into unattended vehicles.
Act Fast. Save a Life.
If you see a child alone in a locked car, get them out immediately and call 911. A child in distress due to heat should be removed from the vehicle as quickly as possible and rapidly cooled.
Click this link and watch the video to see what happens when a child is left in a car.
Prevent Heatstroke Deaths in Cars, Kids Are Vulnerable | NHTSA
NHTSA.GOV
Prevent Heatstroke Deaths in Cars, Kids Are Vulnerable | NHTSA
A child’s body temperature rises faster than an adult’s. Learn more facts and the steps to take so your child isn’t left in the backseat of a hot car.
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