Monthly Archives: January 2017

Dental Care Options

Dental Coverage is VERY LIMITED for au pairs.  If you have  comprehensive  insurance coverage, you will have a maximum of $500 in dental coverage.  Basic insurance has NO dental coverage.

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Basic dental care involves brushing and flossing your teeth at least 2 times per day, seeing your dentist and/or dental hygienist for regular checkups and cleanings, and eating a mouth-healthy diet, which means foods high in whole grains, vegetables and fruits, and dairy products.

In the USA there more hidden sugars and chemicals in our foods.  Your teeth go through culture shock just just like your brain.  To avoid the high cost of dental care take care of your teeth.

I HIGHLY recommend for every au pair go to a dentist for a 6 month check up for dental check up and maintenance.  The best place to find a reasonability priced dental cleaning is on the discount sites: Groupon and Living Social.  It will typically cost $45-$60 for this check up but can save you BIG $$$$!  Invest in your health!!

 

Step 1:  Call Team Assist to check if your dental needs are covered under the First Health Network Place.  Team Assist # is: (855) 327-1411.

Step 2:  If you are not able to get a referral from Team Assist, there are no specific dentists I can refer to in the event of a dental emergency.  In the past, the Dental Clinic listed below have assisted au pairs with discounted services.

https://dentistry.temple.edu/patient-info

Going Unplugged During Work Hours

Kiev, Ukraine - August 26, 2013 - A collection of well-known social media brands printed on paper and placed on plastic signs. Include Facebook, YouTube, Twitter, Google Plus, Instagram and Tumblr logos.

Phones, tablets, and laptops are wonderful tools to stay connected and informed, but we need to be careful not to let them become distractions from real life interactions and most importantly our responsibilities.

Au Pairs – Imagine for a moment that you went to the hospital and you were in the care of doctors and nurses.  How would you feel if those doctors and nurses who were there to care for you were more interested in texting or using their personal computer than caring for you?  How would that make you feel, about yourself and about them?  Would you think that you were getting the treatment you deserved?  Would you feel like paying the bill after your stay?

Life as an au pair, it is a fine balance between employee and family member. You live with your host family and participate with them as a member of the family, but you also have clear responsibilities as a childcare provider. Being a childcare provider is truly one of the most important jobs I can think of, because you are helping to shape our next generation.  What message are you sending them when you would rather interact with a computer than with them? How will they feel about themselves and about you? Children feel as though everything is about them. They will see this as a rejection of them and they will be more likely to act out.

It also poses a safety concern when you are not paying enough attention to the children in your care.  Accidents happen, but when an adult care giver is close by and appropriately supervising the chances of a major injury dramatically reduce.

During work hours, the following would not be considered acceptable:
-Texting
-Talking to friends on the phone
-Chatting with friends online
-Using Skype or FaceTime
-IMing
-Emailing
-Updating your status on Facebook
-Using Snapchat, WhatsApp or any other app or social media site
-Watching videos on YouTube
-Tweeting on Twitter
-Uploading photos on Instagram
-Anything else on the computer unless it is going to Nickjr.com together with your host children

Think about this — even if you work 45 hours a week, that leaves you 123 hours per week for all of that other stuff, or about 70 hours (if you are getting the recommended 7-8 hours of sleep per night.)

Host Parents – You need to be clear about what you consider acceptable during work hours to avoid misunderstandings.  Also, please understand that you are dealing with a new generation of people who are very accustomed to being plugged in at all times.  Their intention is not to be rude, they don’t necessarily realize how their actions will be perceived.  Please use this information as an opportunity to begin a dialogue on the issue.

Do I need Sports Insurance?

Trying out winter sports like ice skating, skiing and snow boarding can be very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.

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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, SkiingSnowboardingSnowmobiles & 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 if you are unsure which insurance package you have or 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.