Tag Archives: medical

Winter Sports and Sports Insurance

 

Is it risky to do winter sports without the sports insurance?

Yes. If you have to pay your own hospital bills for a broken bone, you might be shocked at how much that would cost. I checked this website for some cost estimates.

Here are a couple examples:

  • Without medical coverage, to treat a broken arm or leg (that does not require surgery) it could cost up to $2,500.
  • Without medical coverage, to treat a broken arm or leg (requiring surgery) it could cost $16,000 or more.

I wanted to make sure everyone understands how the medical coverage works for sports related injuries. There is a list of “high-risk sports/activities” that are not covered with the basic or upgrade medical insurance plans. Those activities are only covered with the Sports Insurance Package (also known as Option A.)

The Sports Insurance Package was available pre-departure and may also be purchased at any time during your year. It takes effect within 48 hours of your enrollment and it is good for 12 months. The cost will be the same ($85) whether you have a month left or your whole year ahead of you. I recommend you pay for it early on, if you didn’t already purchase it. You never know when an opportunity might present itself and you don’t want to miss out on an adventure. You also don’t want to take a risk on getting injured and being responsible for the bill on your own.

Below is a partial list of sports that are only covered with the sports insurance package:
Football, Rugby, Scuba diving, Ski-doo,  Wakeboarding, Skydiving, Parachuting, Rock climbing, Zip line, Skate boarding, Rollerblading, Roller skating,  Ice Skating, Skiing, Snowboarding, Snowmobiles & Snowshoeing.  View the full list on page 3 of the insurance brochure HERE(2015 arrival au pairs) & HERE for (2016 arrival au pairs)
Note: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.

How to register for the Sports Insurance
Contact Lisa or Christine to get a copy of the Sports Insurance Enrollment Form. It takes a few days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.

Medical Information

Doctors in the area:

doctor1

You can find all your Medical Insurance details by clicking HERE
Dr. Gray a visit cost $130.  No appointments necessary.  M-F 9-5; S 10-1
4314 Montgomery Avenue
Bethesda, MD
301-951-3606
Health First Medical Center Dr. Allothey a visit cost $35
12450 Parklawn Drive, suite 102
Rockville, MD 20852
301-231-8090 and emergency phone 301-294-4881
CVS Pharmacy Minute Clinic $59.  Good for common and easy things such as strep throat, ear infections, etc.
7809 Wisconsin Avenue
Bethesda, MD 20814
1-866-389-2727
Clinic Hours: Mon – Fri 8am to 8 pm; Sat – Sun 10am to 4pm
Suburban Hospital is the best place to go for the emergency care:
8600 Old Georgetown Road,
Bethesda, MD 20817
Dentist: Howard University School of Dentistry
600 W. Street NW
Washington D.C.
Gynecologist: Women’s Health Care Center
8311 Wisconsin Avenue, Suite C14
Bethesda, MD 20814
301-654-5225
or
Planned Parenthood
Your insurance covers sickness but not regular check-ups.  Remember the $200 deductible is your expense if you have standard insurance.   $0 if you have the Comprehensive Plan.

by Silga Vasilevsky Filed underAu Pair Tips, Blog