The Erika card and Aetna ID number

Every au pair receives an Erika card before traveling to the U.S. and is then assigned an Aetna ID number shortly after arrival. The Aetna ID will be available on the profile page of the au pair’s online account. We recommend writing this number on the Erika card for easy reference. Au pairs will be asked to give this Aetna ID number when getting medical care.

Lost Erika cardPlease contact Cultural Care Au Pair at 1-800-333-6056 for a replacement. A temporary card may be printed at culturalcare.com/erikacard.

Finding medical care

We strongly encourage au pairs to find medical care within the Aetna network. It will be less expensive and easier.

Go to culturalcare.com/doctors to find an in-network doctor, walk-in clinic, urgent care center, hospital, or medical specialist. We advise going to the emergency room only in case of a true emergency. An emergency room visit will be more costly and often have longer wait times.

A visit to the doctor

Insurance information for the doctor’s office or medical provider Au pairs need to provide their Erika Travel Insurance card and Aetna ID at medical appointments so that Aetna can be properly billed for the visit.

At a medical appointment or when speaking with a billing office, be sure to note that the au pair’s coverage is in the Aetna network (they may not recognize Erika Travel Insurance). If there is an issue confirming the au pair’s insurance information, call Aetna to confirm the insurance coverage.

In order for a medical visit to be covered, the bill sent to Aetna must state the reason for treatment. Routine care is not covered. If an au pair sees a doctor for a check-up or “well patient” visit, these routine visits are not covered.

Cannot confirm insurance coverageAll au pairs have insurance coverage while participating in the program. If the au pair’s coverage cannot be confirmed for any reason, follow up with Aetna. Ask them to contact the doctor’s office directly to confirm the au pair’s coverage information.

What to expect to pay for

If an au pair is receiving care in the Aetna network and brings the Erika card with Aetna ID, she should only need to pay her deductible at the time of the visit. Prescription medication is paid for at the pharmacy, and the cost can be claimed with Aetna. For information about what is covered and how to file a claim, contact Aetna.

Deductibles The deductible* is the amount an au pair pays before her insurance coverage begins. An au pair should expect to pay the deductible at the time of her medical appointment.

When visiting the emergency room (ER) au pairs will have to pay an extra amount in addition to the normal deductible. If it is not a true emergency, it is best to go to an in-network doctor, walk-in clinic, or urgent care center to save the cost of the emergency room deductible.

Prescriptions Au pairs pay for prescription medication at the pharmacy. Then they may file a reimbursement claim with Aetna. All pharmacy receipts must be included with the claim (the cash register receipt and the medication information label attached to the prescription). To check if a prescription will be covered and learn about how to file a claim, contact Aetna.

In this guide you will find everything you need to know about insurance coverage and visiting a doctor. All Cultural Care au pairs have a basic level of coverage provided by Erika Travel Insurance. Erika Travel Insurance partners with Aetna Student Health to help au pairs with most questions during the program.

ERIKA TRAVEL INSURANCE COVERAGE GUIDE

Contact Aetna Student Health with questions about where to go for medical care, what costs are covered, and medical bill issues.

AETNA STUDENT HEALTH: 1-800-783-7447 ERIKA@AETNA.COM

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Anna Mueller

06/01/1995

10/19/2015 – 10/18/2016

Dental coverage Only Extended coverage includes non-accidental dental coverage – up to $200 for non-accidental treatment to relieve pain. To check if dental treatment will be covered, contact Aetna.

Questions about bills and coverage

All medical bills should be reviewed carefully. Common reasons an au pair might receive a bill include:

• The deductible was not paid during the medical visit.• The medical billing office did not bill Aetna properly.

Whether the paperwork comes from the medical provider or Aetna, always contact Aetna immediately with questions.

Filing a claim

If an au pair has paid for medical expenses and would like to file a claim for reimbursement, contact Aetna to learn how to file a claim or go to erikainsurance.com to download a claim form.

In Case of Emergency

In case of a serious medical emergency, au pairs should go directly to the nearest emergency room.

Please contact Cultural Care Au Pair so we can provide support and the au pair’s emergency assistance company (listed below) for coverage information.

Going home for an emergency If an au pair has Extended coverage, Erika Travel Insurance may cover a round trip flight in case of the death or grave illness of an immediate family member. The policy defines immediate family members as parents and siblings of the au pair. Grandparents do not fall under the definition of immediate family. For information and support, contact the appropriate emergency assistance company listed above and Cultural Care Au Pair.

Emergency contacts: Emergency Assistance Companies:

• For Swedish, Danish and Finnish au pairs:Falck Global Assistance at 1-800-871-9211

• For Italian au pairs:Inter Partner Assistance S.A. at 1-800-472-6705

• For all other nationalities:AXA Assistance at 1-800-847-3948

Cultural Care Au Pair: 1-800-333-6056

The emergency assistance companies are open 24 hours per day, 7 days per week to assist with emergency situations.

Other insurance coverage opportunities

Additional Month coverage After an au pair’s last day on the program, they officially start their 30-day grace period or “additional month” and no longer have theBasic or Extended coverage. To ensure that au pairs are coveredthroughout their stay in the U.S., Cultural Care Au Pair requiresthat au pairs choosing to stay for any part of the 30-day graceperiod secure coverage for the additional month.

Extension term coverage All au pairs have Basic coverage during their extension term. Au pairs are encouraged to activate the optional Extended coverage for the extension term for an additional cost. Au pairs may activate coverage for the extension program before the end of their first year.

Activating coverage There are several ways to activate Erika Travel Insurance coverage: • Log in to the au pair’s online account (culturalcare.com/login)

and click on the “Cultural Care Store”.• Call Cultural Care Au Pair at 1-800-333-6056.• Contact the au pair’s home country office.