Avoid the ER and save some money.  There is an additional ER deductible for visits not deemed “emergencies”.  Au Pairs, please note there are several plans with differing deductibles.  Visit http://aupairinamerica.com/resources/life_in_the_us/insurance_3.asp for full details.  If you need a local clinic, look in the Medical Information section of your Welcome booklet or call your counselor.