VISIT® International Health Insurance
                        
The Trusted Name in International Medical Insurance for over 35 Years!

Contact Us at
info@visitinsurance.com or
1-800-247-5575 or 1-703-660-9062
Educational Partners International
Teacher & Dependent Health Insurance Plan from VISIT® Insurance
UPGRADE OPTION - ELITE PLAN
Effective August 1, 20
20
Eligibility Requirements:  EPI Teachers and Dependents Plan Upgrade

*The J1 Teacher MUST be enrolled as the Primary Insured in order for the Spouse and/or children to be eligible for enrollment.
** Rates are subject to change.

Enrollment:  Please Complete the Application Form by 20th of the prior month of enrollment.   Enrollment start date is on the 1st of the Month only.


Coverages - ELITE PLAN Benefits
Accident and Sickness Medical Maximums per Injury or Illness
Lifetime Maximum
$100,000

Deductible per Period of Coverage
*For a covered medical expense, the Deductible is the portion of your medical bill that is your responsibility to pay to the doctor or hospital. 

$250 per injury or illness
Deductible – Emergency Room
(applies only to Emergency Room visits)
Subject to $250 but only if no in-patient admission
Coinsurance

100% Plan - NO Coinsurance if Eligible Expenses are incurred within the PPO Network or at a Student Health Center.
Out of PPO Network:  80% of Eligible Expenses up to $5,000, then 100% thereafter.

Pre-existing Conditions Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance during the first six (6) months of coverage.  However, after an Insured Participant has maintained six (6) months of continuous and uninterrupted coverage, Pre-existing Conditions are covered as any other condition.
Hospital Room and Board Average Semi-Private room rate, including nursing services
Local Ambulance $
Intensive Care Unit Usual, Reasonable and Customary Charges
Outpatient Treatment Usual, Reasonable and Customary Charges

Mental Health Disorders
(including Drug Abuse and Alcohol Abuse)

Outpatient: $2,000

In-Patient:  URC to $20,000 maximum 45 days

Prescription Drugs Paid at 100% of Actual Charge
If the medical condition is covered, the prescriptions will also be covered at 100%.  Prescriptions are a reimbursable expense. You will need to pay for your prescription first and then complete a claim form to be reimbursed.
Maternity Care for a Covered Pregnancy In Network: 80% up to $25,000 Maximum coverage
Out of Network: 60% up to $25,000 Maximum coverage

You must be on the ELITE Plan 6 months prior to conception.
Routine Nursery Care of Newborn $750 Maximum per Certificate Period
Physical Therapy & Chiropractic Care URC - limit one visit per day (Referral Required)
Team Sports

$10,000 Maximum per Injury or Illness. Medical expenses only

Dental Treatment due to Accident

$2,500 Maximum per Certificate Period, No Maximum per Tooth

Dental Treatment to alleviate pain $350 Maximum per Certificate Period (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation

$500,000 per Participant Maximum Lifetime / (not subject to Deductible or Coinsurance)
 

Repatriation of Remains $50,000 Maximum (not subject to Deductible or Coinsurance)
Emergency Reunion $50,000 Lifetime Maximum / $200 per day
Political Evacuation $10,000 Lifetime Maximum
Terrorism $50,000 Maximum Lifetime Limit
Accidental Death and Dismemberment $25,000 Student
$10,000 Spouse
$5,000 Dependent Child
Incidental Home Country Coverage up to 14 days
Travel Assistance 24-hour Worldwide Assistance
View Policy Details ELITE Policy
Student Health Advantage Rates

ELITE PLAN Monthly Rates:
The Teacher must be enrolled for their Spouse and/or Child to be eligible.  The below fees are in addition to the $65 monthly fee charged to EPI teachers.

Age

Teacher Monthly Rate

Spouse Monthly Rate

19-23

$128.96 $504.06

24-30

$138.88 $556.76

31-40

$268.46 $741.21

41-50

$439.27 $765.29

51-64

$586.21 $842.27

Dependent Child 30 days to 18 years old  (or 25 if a full-time student) Monthly Rate

$115.94  
How To Set-up Seven Corners Online Account

 

Important Insurance Terms

What is a Deductible?
For a covered medical expense, the deductible is the portion of your medical bill that is your responsibility.  The deductible will first be subtracted from the total medical bill and you will need to pay this portion directly to the doctor or hospital. 

The deductible is “per accident or illness,” not per visit to the doctor.  This means if you have to go to the doctor more than once for the same illness, you will only need to pay the deductible one time for that illness. 

Your deductible is $50 per accident or illness for PPO and Student Health Center visits.  If using a provider outside the PPO network, the deductible is $100 per Injury or Illness.  The Emergency Room deductible is $250 per ER visit.

What is Co-insurance?
Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from the deductible. Coinsurance will be waived if Eligible Expenses are incurred within the PPO Network or at a Student Health Center.

However, if you choose to use a provider outside the PPO Network or Student Health Center, the Plan will pay 80% (you will pay 20%) of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum.

How do I Pay for My Prescriptions?


What is a pre-existing condition?

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the twelve (12) months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising there from.

Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance during the first six (6) months of coverage.  However, after an Insured Participant has maintained six (6) months of continuous and uninterrupted coverage, Pre-existing Conditions are covered as any other condition. 

What is a Reasonable & Customary charge?
Reasonable and Customary charge is the amount normally charged by medical service providers for similar services and supplies in your area of living.

What is Home Country Coverage?
Your plan will extend coverage to you in your home country for up to 14 days.  Your home country is the country in which you permanently reside.

What is Medical Evacuation?
Medical Evacuation means transferring the insured person to the nearest hospital or medical facility in case of an emergency injury or sickness or back to his/her home country. It can be done by any necessary means of transportation.

What is Repatriation?
In case of death, the Repatriation benefit covers the transportation of your remains back to your family and your home country.

Are Injuries from Sports Covered?
Recreational sports are covered through the regular medical coverage.  If you are a member of an intercollegiate, interscholastic, intramural or club sports, there is $5000 maximum coverage on your policy for injuries sustained while participating in a team sports.  Additional coverage may be available through the Athletic Department for some sports.

Is there Dental Coverage?
There is limited coverage for dental pain and injury to natural teeth on your policy.

Relief of sudden and unexpected pain to sound, natural teeth, including but not limited to fillings will be covered up to $350 maximum.  Injury due to an accident will be covered up to $500 per Accident maximum. 

Do I need a referral to go to a Specialist?
A doctor’s referral typically is not required.  If you have a special medical condition, we recommend that you check with the Claims Office 1-800-628-4664, prior to making an appointment with a Specialist.

Where Can I Find a Doctor or Hospital?

What are the Provider Networks?
When contacting a doctor or hospital, please be sure to let them know that you are in the First Health and United Health Care PPO Networks. 

 UnitedHealthCare International PPO Network Searc

How do I search for a local doctor or hospital?
To search for a medical care provider within the independent Preferred Provider Organization network, please go to:  

 United Health Care:  www.welcometouhc.com
How To File A Claim

Where do I find my Insurance ID Number?
Your ID Number is located on your Insurance Card.

What do I do if I lose my ID Card?
Please contact VISIT at 1-800-247-5575 or by email at info@visitinsurance.com.  Be sure to let us know that you are in the Furman University program.


Do I need to go to a specific doctor or hospital if I need medical attention?


If an emergency: 
• Go directly to the hospital, or call 911 for emergency response
• Call the 24-hour assistance service center at the number listed on your ID card to alert the center of your situation.
 

PATIENT Claim Form
You must also complete a PATIENT Claim Form.  This is a separate form than the Claim information provided by your Doctor.  Click here for a PATIENT Claim Form for you or your dependentsYou must submit the completed PATIENT Claim Forms to VISIT® within 90 days of your visit to the doctor or hospital.  By email: epi@visitinsurance.com / claims@sevencorners.com or fax: 703-991-9164. 

How can I be reimbursed for medical payments I paid?
Any medical expense you have paid may be submitted to the claims office for reimbursement.  Please complete and submit a PATIENT Claim Form and include all receipts for expenses you have paid.

How do I Pay for My Prescriptions?
In addition to your VISIT® Plan E Plus Health Insurance ID card, you will receive two Discount Drug Cards (WellCard and AllyHealth) for your Prescriptions. Be sure to Register your WellCard online at www.wellcardhealth.com.  When going to the pharmacy, please present both Discount Drug Cards.  If the prescription is eligible for either discount, it will be applied at the time of your purchase.  If there is a remaining cost due after the discount, please pay the remaining balance to the pharmacy and keep the receipt.   To be reimbursed for the remaining balance of the prescription, please submit a PATIENT Claim Form with your receipt and a copy of your prescription.  The deductible and co-insurance apply.

If you have lost your ID CARD, please email us at epi@visitinsurance.com to request a replacement. 


 

Important Contact Information


To a Report a Claim, Verify Eligibility or Check on the Status of a Claim Contact:

1-800-335-0611
Customer Service (Option 3 or 4)
Benefits and Claims
24 hours a day, 7 days a week
customerservice@sevencorners.com

24-Hour Worldwide Assistance Services: 1-800-335-0611

General Questions, Contact Your Agent:

VISIT International Health Insurance
1-800 -247-5575 / Fax (703) 991-916
4
info@visitinsurance.com
Monday - Friday, 9:00 a.m. - 6:00 p.m. EST
Representatives are also available by Email on weekends and evenings on a limited basis.
PO Box 210
Mount Vernon, VA 22121


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VISIT® International Health Insurance Program
www.visitinsurance.com
Correspondence: P.O. Box 210, Mount Vernon, VA  22121 (703) 660-9062/ (800) 247-5575/ (703) 991-9164 fax
email:
 info@visitinsurance.com

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