How does the insurance work?
This insurance policy, which IENA has arranged with eSecutive, is designed to meet the needs of J-1 participants. It exceeds the minimum coverage levels required by the US Department of State.
However, it doesn’t work unless you call the Customer Service Hotline to verify benefits and ensure the accuracy of your information before you seek treatment. Please contact Customer Service at: 1 844 805 9444 Select the telephone prompts available for after hours emergency assistance.
Medical Insurance ID Card
To access your complete insurance information including your Insurance ID-Card and Claims Instructions, please login to your personal MyInsurance area at:
www.esecutive.com/MyInsurance.
To create your account, you will need:
- Your Last Name
- Your First Name
- Certificate / Policy Number
- Your Date of Birth
You can also use Facebook connect and log-in to MyInsurance with your Facebook account!
Print your insurance ID Card and Always carry it with you so you can show it to any medical provider, if necessary.
Important – check the dates of your policy. These are the dates as provided by you to your recruiter or IENA and they should match exactly with your flight/travel dates to/from America. If not, please contact your recruiter or IENA immediately.
If you wish to extend your insurance, simply log in to your personal MyInsurance area. Please note that there will be an extra cost if you will exceed 123 days.
How do I find a doctor?
In the US you should only go to an Emergency Room in case of a serious or life-threatening accident or illness. The emergency room situation in the US is different from emergency room treatments in other countries. The costs for an emergency room visit in the US are significantly higher than treatments at a walk-in clinic, urgent care center or physician’s office.
Please note: You should only go to an Emergency Room in case of a serious or life-threatening accident or illness, for example: head injuries, chest pain, loss of consciousness, life-threatening situations, difficulty breathing, seizures.
In all other cases, as for example: sports injuries, sore throats, minor cuts, cold/flu, sprains and strains, urinary tract infections, earaches, simple fractures, minor burns, please use a Convenience Care, Walk-in or Urgent Care Clinic.
Search for a doctor, Urgent Care or Walk-in Clinic: www.aetna.com/docfind/custom/passport (Select Passport to Healthcare Primary PPO Network).
If you visit the emergency room for an illness or injury that does not result in direct hospitalization you have to pay a copayment of USD 350.
If you are going to be hospitalized for any reason, contact One Team Health (OTH), to verify coverage at least 3 days prior to planned hospitalization. If you are hospitalized due to an emergency medical condition, please contact OTH within 24 hours of admission, or as soon as you are reasonably able to. You will need to complete a claim form and submit it to OTH once you receive the hospital bill. Call 1 844 805 9444 to find a provider or verify coverage prior to hospitalization. However, it doesn’t work unless you call the Customer Service Hotline at 1 844 805 9444 to verify benefits and ensure the accuracy of your information before you seek treatment. They are available 24 hours per day/7 days per week.
What isn’t covered?
Your insurance policy will detail what is covered but there are some important things IENA really would like you to know about:
- For the most part, pre existing conditions are NOT covered on the policy unless the condition as been stable for a period of 12 months.
- Pregnancy and any Pregnancy related medical issues (whether known or unknown) are not covered.. If you are pregnant when on the program, IENA will end your program early and you must return home.
- Unnecessary treatment.
The most common uncovered situation IENA experiences is an undeclared history of Mental Health treatment. Please make sure you are responsible for declaring medical issues and being covered.
If you are unsure, check with IENA. If you have pre-existing conditions which are not covered, you will be responsible for purchasing your own additional insurance.