{"id":57,"date":"2022-08-19T23:33:38","date_gmt":"2022-08-19T23:33:38","guid":{"rendered":"https:\/\/blogs.aupairinamerica.com\/vav\/?page_id=57"},"modified":"2022-10-28T18:42:59","modified_gmt":"2022-10-28T18:42:59","slug":"medical-dental-information","status":"publish","type":"page","link":"https:\/\/blogs.aupairinamerica.com\/vav\/resources\/medical-dental-information\/","title":{"rendered":"Medical &#038; Dental Information"},"content":{"rendered":"<h2>General Information<\/h2>\n<div class=\"entry-content\">\n<p>APIA\u2019s health (medical) insurance plan is administered by <strong>Cultural Insurance Service International (CISI)<\/strong> and is part of the <strong>Aetna Health Network<\/strong>. It is valid anywhere in the world except your home country. It covers injuries and illnesses.<\/p>\n<ul class=\"xoxo blogroll\">\n<li><strong>Your Insurance Website &amp; App\u00a0<\/strong>\u2013 Use the <a href=\"http:\/\/www.culturalinsurance.com\/mycisiapp\/\" target=\"_blank\" rel=\"noopener noreferrer\">myCISI app<\/a> and the <a href=\"https:\/\/www.mycisi.com\/CISIPortalWeb\/pub\/login.aspx?PT=GEN\" target=\"_blank\" rel=\"noopener noreferrer\">myCISI desktop log-in<\/a> to obtain information about your insurance coverage, account and reprint your insurance card.<\/li>\n<\/ul>\n<ul>\n<li><strong>Your Insurance Card<\/strong> \u2013 You should carry your personal health insurance card with you at all times. The card is attached to an email from \u2018My CISI\u2019 which you received at orientation. Search your email for \u201cenrollments@mycisi.com\u201d. \u00a0<strong>If you cannot find the email or you lose your insurance card, you can:<\/strong>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Go on the <a href=\"https:\/\/www.mycisi.com\/CISIPortalWeb\/pub\/login.aspx?PT=GEN\" target=\"_blank\" rel=\"noopener noreferrer\">myCISI desktop log-in<\/a>\u00a0and print a new card.<\/li>\n<li>Contact the insurance company by calling 203-399-5130 or emailing <a href=\"mailto:Claimhelp@culturalinsurance.com\">Claimhelp@culturalinsurance.com<\/a><b>. <\/b>Please include your au pair ID number in the email along with your host family\u2019s name and address. (If you call\u00a0you may wait a while on hold with no music or sound, this is normal.)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Finding a Doctor, Clinic, or Hospital\u00a0<\/strong><\/h2>\n<ul>\n<li><strong>The best place to start for any illness or injury is an Urgent Care clinic.\u00a0 <\/strong><\/li>\n<li>They are typically open daily from 8 am until 8 pm.<\/li>\n<li>For most urgent care clinics an appointment is not required.<\/li>\n<li>You can just walk in, but for ones who offer appointment booking online or by phone, that can reduce your wait time once you arrive.<\/li>\n<\/ul>\n<p>Two popular local urgent care options:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><a href=\"https:\/\/www.medexpress.com\/location\/va\/charlottesville\/ptv\/\"><strong>Pantops MedExpress Urgent Care<\/strong><\/a>\u00a0&#8211; 260 Pantops Center, Charlottesville,\u00a0VA\u00a022911,\u00a0434-244-3027<\/li>\n<li><strong><a style=\"font-size: 1rem;\" href=\"https:\/\/www.medexpress.com\/location\/va\/charlottesville\/ssv\/\">Charlottesville MedExpress Urgent Care<\/a><\/strong><span style=\"font-size: 1rem;\">\u00a0&#8211;\u00a0<\/span><span style=\"font-size: 1rem;\">1149 Seminole Trail,\u00a0<\/span><span style=\"font-size: 1rem;\">Charlottesville,\u00a0VA\u00a022901,\u00a0<\/span><span style=\"font-size: 1rem;\">434-978-3998<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"padding-left: 40px;\">Both of these urgent care clinics also offer COVID-19 testing and vaccination.<\/p>\n<\/div>\n<div class=\"entry-content\">\n<hr \/>\n<h2><strong>Hospital Emergency Room<\/strong><\/h2>\n<p>Only go to the Emergency Room at the hospital for a serious medical issue requiring immediate care. (For example, anything serious enough where you consider calling 911 for an ambulance or asking someone to take you to get care immediately.) For anything less than a true emergency, it is best to be seen by a doctor at an Urgent Care Clinic. If Urgent Care directs you to the Emergency Room, then it should be covered as an emergency.<\/p>\n<p>If you go to the Emergency Room at the hospital for anything less than a true emergency, you will be charged an extra $500 non-emergency deductible by the insurance company<\/p>\n<p><em><strong>If you truly think you are having a life-threatening emergency, then go directly to the nearest hospital. Any hospital in our local area should take your insurance.<\/strong><\/em><\/p>\n<hr \/>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<h2><strong>Medical Specialists<\/strong><\/h2>\n<p>If you need to see a specialist please search this database for a doctor who takes your insurance: <a href=\"https:\/\/www.aetna.com\/dsepublic\/#\/contentPage?page=providerSearchLanding&amp;site_id=passport\">click here.<\/a> After you enter your zip code, you will be asked to Select a Plan, choose \u201cPassport to Healthcare Primary PPO Network\u201d)<\/p>\n<p>Tell the doctor\/care provider that you have <strong>Aetna\u00a0Health Insurance\u00a0<\/strong>when you call to make your appointment or check in at the office. Always confirm that they still take your insurance. Immediately call or email the insurance company if a listed provider states that they do not take your insurance.<\/p>\n<div class=\"column\">\n<hr \/>\n<\/div>\n<\/div>\n<\/div>\n<h2>Counseling<\/h2>\n<p>Counseling services are covered with a limit of $500. If you have the basic plan, you would need to pay your $50 deductible, then a 20% co-pay and the insurance pays 80% (up to a maximum of $500).<\/p>\n<p>To find a counselor who accepts your insurance, search <a href=\"https:\/\/www.aetna.com\/dsepublic\/?fbclid=IwAR05hmgzq37r82R2-uEUeybyZ-MeEGj5AOGYmHHPFgmInhprdCHCgm6NtFY#\/contentPage?page=providerSearchLanding&amp;site_id=passport\">this database<\/a>: After you enter your zip code, you will be asked to Select a Plan, choose \u201cPassport to Healthcare Primary PPO Network\u201d. Under \u201cFind what you need by category\u201d, select \u201cBehavioral Health\u201d.<\/p>\n<p>Tell the doctor\/care provider that you have <strong>Aetna\u00a0Health Insurance\u00a0<\/strong>when you call to make your appointment or check in at the office. Always confirm that they still take your insurance. Immediately call or email the insurance company if a listed provider states that they do not take your insurance.<\/p>\n<hr \/>\n<h2><strong>Prescription Medicine<\/strong><\/h2>\n<p>You will need to pay upfront at the pharmacy. To reduce the amount you have to pay upfront, you need to bring your prescription discount card to the pharmacy \u00a0(you can download it by visiting:<a href=\"https:\/\/www.wellrx.com\/rx-discount-card\/enroll\/\">\u00a0this website<\/a>) or go on <a href=\"http:\/\/goodrx.com\">goodrx.com<\/a> to look for the best price.<\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Present the pharmacist with your prescription discount card or code from GoodRX when you fill your prescription.<\/li>\n<li>You will need to pay the full cost for the prescription medication at the pharmacy. Then, you send a completed claim form (link below) along with your pharmacy receipt (the one usually stapled to the bag with your name, name of medicine, and cost) to the insurance company. (Note: The cash register receipt on its own WILL NOT be enough, you must have the detailed one described above.) They will reimburse you for their share of the prescription cost. It will come in the mail as a check payable to you.<\/li>\n<li><a href=\"https:\/\/www.culturalinsurance.com\/students\/claim-information.asp\">Click here<\/a>\u00a0to get a claim form<\/li>\n<li>Make copies (or take photos with your phone) of the receipt and your claim form before sending. Keep those for your records until you receive payment for your claim.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n<hr \/>\n<h2><strong>COVID-19 Testing<\/strong><\/h2>\n<div class=\"column\">\n<ul>\n<li>You can visit <strong><a href=\"https:\/\/www.vdh.virginia.gov\/covid-19-vaccine\/\">this website<\/a><\/strong> to find testing locations, hours, and whether appointments are required.<\/li>\n<li>Your medical insurance covers COVID-19 testing if there is a medical reason (known exposure or symptoms).<\/li>\n<li>Optional testing for purposes such as travel is NOT covered by your insurance.<\/li>\n<\/ul>\n<h2><strong>COVID-19 Vaccine<\/strong><\/h2>\n<ul>\n<li>The U.S. government is offering free, COVID-19 vaccines. Please visit\u00a0<strong><a href=\"https:\/\/www.vdh.virginia.gov\/coronavirus\/protect-yourself\/covid-19-testing\/covid-19-testing-sites\/\">this website<\/a><\/strong> for complete information and clinic locations in Virginia.<\/li>\n<li>I do not recommend going to an urgent care clinic or doctor\u2019s office for the vaccine. They may charge you an expensive fee to administer the vaccine and your insurance will not cover it.<\/li>\n<li>Remember you do not have your full protection until 2 weeks after your second shot. Even with the vaccine, you can still contract the virus and pass it on to others. Continue to take precautions (social distancing, mask-wearing, frequent hand washing).<\/li>\n<\/ul>\n<hr \/>\n<\/div>\n<\/div>\n<\/div>\n<h2>Services That are Not Covered<\/h2>\n<ul>\n<li><strong>High-Risk Sports<\/strong> \u2013 Your insurance will not cover ice skating, skiing, snowboarding, or other \u201chigh-risk sports\u201d unless you add sports insurance.\n<ul>\n<li>You can add sports insurance any time during your year.<\/li>\n<li>It takes 48 hours to take effect and will cover you for 12 months from your date of enrollment.<\/li>\n<li>You can enroll in your au pair portal. Ask your community counselor if you are having trouble finding the sports insurance enrollment link in your portal.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Preventive Care<\/strong> \u2013 Your health insurance does NOT cover preventive care, like the following:\n<ul>\n<li>Dental Care* (CISI medical upgrade plan includes some emergency dental coverage. Basic plan does not include dental.)<\/li>\n<li>Physicals\/Check-ups<\/li>\n<li>Preventative Gynecology Care\/Birth Control*<\/li>\n<li>Vision Care (glasses and contacts)*<\/li>\n<li>Vaccines (See info above on COVID vaccine and check <a href=\"https:\/\/blogs.aupairinamerica.com\/mdf\/2021\/09\/23\/where-to-get-your-flu-shot-4\/\">THIS<\/a> blog post for information on the seasonal flu vaccine.)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>*See below for information on low-cost options for some of these services.<\/p>\n<hr \/>\n<h2><strong>Women\u2019s Health Issues\u00a0<\/strong><\/h2>\n<ul>\n<li>Your medical insurance DOES cover medical problems (testing for a suspected STD, infections, and other gynecological conditions) as long as they are not pre-existing conditions. For gynecology problems, you will give them your insurance card and it will be handled like any other injury or illness.<\/li>\n<li>Your insurance DOES NOT cover preventive care (annual gynecology exam, preventive screening tests, or birth control). For preventive care, you should tell them you do NOT have insurance coverage for that and you are requesting the sliding scale or low-cost services.\n<ul>\n<li>\u00a0<strong>Charlottesville Planned Parenthood<\/strong>: \u00a02964 Hydraulic Rd, Charlottesville, VA 22901, phone number: 434-296-1000. <a href=\"https:\/\/www.plannedparenthood.org\/health-center\/virginia\/charlottesville\/22901\/charlottesville-health-center-2815-90860\/womens-health\">https:\/\/www.plannedparenthood.org\/health-center\/virginia\/charlottesville\/22901\/charlottesville-health-center-2815-90860\/womens-health\u00a0<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>For birth control and other preventive care (annual exam, pap smear, breast exam, birth control of any kind), you will need to pay for the care you receive at Planned Parenthood, but you can ask for the \u201cSliding Scale\u201d which charges you a cheaper price based on your income level. You should bring your participation letter that includes stipend information.<\/p>\n<hr \/>\n<\/div>\n<div class=\"entry-content\">\n<div class=\"entry-content\">\n<div class=\"entry-content\">\n<h2><strong>Dental Care\u00a0<\/strong><\/h2>\n<p>Au pairs with medical upgrade insurance have $500 emergency dental coverage. This would include services like filling a cavity or repairing a chipped tooth, as long as the tooth was in good health at the time of her arrival to the U.S. \u00a0For those without emergency dental coverage or dental cleaning or other routine care, check the clinics below.<\/p>\n<h3>Reduced Price Dental Care Clinics<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.cvillefreeclinic.org\/dental-services\">Charlottesville Free Clinic Dental Care<\/a> &#8211; Offers free services for those without dental insurance who meet income guidelines.<\/li>\n<li class=\"box_header slide\"><a href=\"https:\/\/www.hburgchc.org\/services\/\">Harrisonburg Community Dental Clinic<\/a> &#8211; Offers dental services on a sliding scale ( based on how much money you earn). Description of services and hours <a href=\"https:\/\/www.freedentalcare.us\/li\/harrisonburg-community-hc\">here.<\/a><\/li>\n<li class=\"box_header slide\"><a href=\"https:\/\/vcudentalcare.com\/practices\/student\/\">VCU Dental School Clinic<\/a> &#8211; Offers services at a reduced price compared to private dental offices. An initial visit is required and then most services can be scheduled about two weeks later.<\/li>\n<li><a href=\"https:\/\/vcudentalcare.com\/services\/emergency\/\">VCU Dental School Urgent Care<\/a> &#8211; Offers services for patients with tooth pain who need a specific procedure and cannot wait for an appointment weeks away.<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Vision Care\u00a0<\/strong><\/h2>\n<p>These are some companies known for providing eye exams and glasses or contacts for a reasonable price.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.americasbest.com\">America\u2019s Best Contacts &amp; Eye Glasses<\/a><\/li>\n<li><a href=\"https:\/\/www.lenscrafters.com\">Lenscrafters<\/a><\/li>\n<li><a href=\"https:\/\/www.targetoptical.com\">Target Optical\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.walmart.com\/cp\/vision-centers\/1078944\">Walmart Vision Center<\/a><\/li>\n<li><a href=\"https:\/\/www.zennioptical.com\">Zenni Optical<\/a> \u2013 Affordable eyeglasses you can order online with your prescription from an eye exam.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"entry-content\">\n<hr \/>\n<h2><strong>Other Important Information<\/strong><\/h2>\n<ul>\n<li>Do not panic if you receive a crazy high bill.\u00a0 It often takes a month for the doctor to correctly bill the health insurance.\u00a0 If you do receive a crazy bill, please contact CISI support at (800) 303-8120, prompt 5 or 203-399-5130.<\/li>\n<li>Take care of yourself.\u00a0 Don\u2019t delay going to the doctor if you are sick.\u00a0 I know this is intimidating, but you can figure it out. Perhaps ask a friend to come with you.<\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>General Information APIA\u2019s health (medical) insurance plan is administered by Cultural Insurance Service International (CISI) and is part of the Aetna Health Network. It is valid anywhere in the world except your home country. It covers injuries and illnesses. Your Insurance Website &amp; App\u00a0\u2013 Use the <a href=\"http:\/\/www.culturalinsurance.com\/mycisiapp\/\" target=\"_blank\" rel=\"noopener noreferrer\">myCISI app<\/a> and the <a  <a class=\"read-more\" href=\"https:\/\/blogs.aupairinamerica.com\/vav\/resources\/medical-dental-information\/\">Read More<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":14,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-57","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Medical &amp; Dental Information - Charlottesville Au Pair in America Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blogs.aupairinamerica.com\/vav\/resources\/medical-dental-information\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Medical &amp; Dental Information - Charlottesville Au Pair in America Blog\" \/>\n<meta property=\"og:description\" content=\"General Information APIA\u2019s health (medical) insurance plan is administered by Cultural Insurance Service International (CISI) and is part of the Aetna Health Network. 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