VISIT® International Health Insurance
             
Contact Us at epi@visitinsurance.com or 1-800-247-5575 or 1-703-660-9062

Educational Partners International

Teachers Health Insurance Plan from VISIT® Insurance
Plan E Plus 2018-2019
   

What IS Covered by VISIT® Plan E Plus?

  • Medical Expenses - $100,000 per each accident or illness

    Plan E Plus provides coverage for Accidents & Illness and medical emergencies.  Your Plan will cover visits to a Doctor, Specialist, Minute Clinic, Urgent Care, Emergency Room and Hospital, as well as associated X-rays, Lab work and Prescriptions.

    VISIT® Plan E Plus uses the UnitedHealthcare Medical Provider Network.  Be sure to have your doctor notify UnitedHealthcare in the event of any scheduled Hospitalization, Surgery and MRI/CAT Scans.

     

    An Emergency Room should only be used in the event of a life-threatening Medical Emergency.

  • Home Country Coverage - Your plan includes coverage for Incidental Trips to your Home Country:
    Up to $50,000.  A maximum of 60 days per year.

  • Dental - The plan will pay up to $500 for repair to a tooth due to an accident.  Coverage is for accidents only.

  • Repatriation and Medical Evacuation are included in your Plan E Plus

    Click Here to download the EPI Teacher Health Insurance Plans Overview


Eligibility Requirements:
 Educational Partners International Teachers
Coverage Details - Plan E Plus  MultiPlan Benefits
Accident & Sickness Medical

$100,000 per accident or illness

Plan E Plus
provides coverage for Accidents & Sickness and medical emergencies.  Your Plan will cover visits to a Doctor, Specialist, Minute Clinic, Urgent Care, Emergency Room and Hospital as well as associated X-rays, Lab work and Prescriptions.

Be sure to notify the UnitedHealthcare in the event of Hospitalization, Surgery and MRI/CAT Scans for pre-certification.

Physical Therapy treatment requires a referral from a licensed doctor.

An Emergency Room should only be used in the event of a life threatening Medical Emergency.
Preventive Services Preventive care and vaccinations are NOT covered by Plan E Plus.  However, EPI teachers will receive a separate Crescent Health Solutions insurance card that will be used for Preventive care and Vaccines.  This coverage is for EPI Teachers ONLY.  When you are visiting the doctor for these services, please present the Crescent Health Solutions insurance card, rather than then the VISIT® Plan E Plus UnitedHealthcare ID Card. (When visiting the doctor for an accident and/or illness, then you will present the VISIT® Plan E Plus UnitedHealthcare ID card.) If you have any questions regarding the Preventive Care coverage, please contact Crescent Health Solutions at 1-828-670-9145 and enter extension 104 directly.
Prescription Drugs 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.  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.

Click Here to register your WellCard.

Click here to download a copy of the Discount card to be used at your local pharmacy.

Click here to compare prices for your prescription.
Deductible 
The deductible is the portion of your medical bill that is your responsibility.
$100 Annual Deductible
Co-insurance
Co-insurance: Your share of the costs of a covered health care service, calculated as a percent (20%) of the allowed amount for the service.

After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical maximum

(Maximum annual out-of-pocket $1,100)

Emergency Medical Evacuation up to $100,000
Repatriation of mortal remains up to $25,000
Pre-existing condition coverage No Coverage for Pre-existing conditions – Any Medical condition, sickness, Injury, Illness, disease that existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy.  Please consider upgrading to the SHA or GEO Blue Plans if you or your dependent(s) have a pre-exisiting condition.  Contact VISIT® for more inforamtion.
AD&D - Accidental Death & Dismemberment $25,000 per Insured/Spouse $5000 per Dependent Child
Maternity coverage No coverage
Please consider upgrading to the SHA or GEO Blue Plans if you or your spouse require maternity coverage.  Contact VISIT® for more inforamtion.
Home Country coverage 60 days per 12 months of coverage up to $50,000
Dental (Accident Coverage only) To a maximum of $500 (available only if purchased for 1 month or more)
Personal Liability $100,000 / $25,000 Property Damage
Trip Interruption up to $5000
Return of minor child up to $10,000
Lost baggage up to $250
Benefit Period
Benefit Period shall mean the one hundred and eighty (180) days following the onset of an Eligible Accident, Injury or Illness in which to receive Medically Necessary Covered Expenses.
180 days
Assistance Services Included
View Policy Details Plan E Plus Details
 
Where Can I Find a Doctor or Hospital?   (If you have an emergency medical condition, please call 911 or your local emergency services number)
 
What is NOT Covered by VISIT® Plan E Plus?

Preventive Care -  Preventive care and vaccinations are NOT covered by Plan E Plus.  However, EPI teachers will receive a separate Crescent Health Solutions insurance card that will be used for Preventive care and Vaccines.  This coverage is for EPI Teachers ONLY.  When you are visiting the doctor for these services, please present the Crescent Health Solutions insurance card, rather than then the VISIT® Plan E Plus UnitedHealthcare ID Card. (When visiting the doctor for an accident and/or illness, then you will present the VISIT® Plan E Plus UnitedHealthcare ID card.) If you have any questions regarding the Preventive Care coverage, please contact Crescent Health Solutions at 828-670-9145 and enter extension 104 directly.

We also offer optional health plans (the SHA and GEO BLUE Plans) that provide some coverage for pre-existing conditions, mental health and maternity.  These optional plans have higher premiums.

Pre-existing conditions - Any medical condition, sickness, injury, illness, disease that existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy is NOT covered.  The SHA and GEO BLUE Plans provide some coverage for pre-existing conditions.  Please contact VISIT® at 703-660-9062 for more information.

Mental Health - Any mental and nervous disorders or rest cures are NOT covered.  This includes treatment for anxiety, depression, and stress related conditions.  Treatments by a Psychologist, Psychiatrist, Counselor or Medical Physician that has diagnosed a mental/nervous condition are not covered.  The SHA and GEO BLUE Plans provide some coverage for Mental Health.  Please contact VISIT® at 703-660-9062 for more information.

Maternity - Maternity including Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage is NOT covered by Plan E Plus.  The SHA Plan provides coverage for maternity, however, you MUST be on the plan prior to conception.  The GEO BLUE Plan is available for coverage if you are already pregnant.  Please contact VISIT® at 703-660-9062 for more information.

Dental -
Regular dental care, treatment for cavities, root canals, and any other dental condition is not covered.  Damage to a tooth due to an accident is covered to a maximum of $500.

Vision -
Glasses and Eye Exams are not covered.  Infections and medical conditions like Pink Eye may be covered.  Please contact the Claims Office with any specific medical condition questions.

Team Sports - Injury due to competitive team sports is not covered.  Recreational sports injuries are covered under the medical coverage on the policy
How To File A Claim

DOCTOR Claim Form
Be sure your Doctor files your claim through UnitedHealthcare using the information found on your VISIT® Plan E Plus ID Card.  This will allow your doctor to file your claim electronically which will help expedite the claims process.  Your ID card includes a Member ID Number and a Group Number your Doctor must use to file the claim properly.  Improperly filed claims may be delayed or denied.

UnitedHealthcare Member ID: xxxxx
(
This number is found on your ID Card and is unique for each person)

UnitedHealthcare Group Number: 908211 

Your Doctor may contact UnitedHealthcare at 1-855-263-0524 with any questions on how to submit a claim.

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. 

Click Here - Answers to Frequently Asked CLAIMS Questions


For Members For Providers

VISIT® at 1-800-247-5575 or 1-703-660-9062
Monday - Friday 9am to 6pm, available by email after hours.

Email: epi@visitinsurance.com

For emergency and other assistance services Assist 24/7:
1-800-690-6295 (toll free) or
0-317-818-2808 (collect)

For verification of benefits in the USA:
1-855-263-0524 (toll free)

Medical Claim Address:
UnitedHealthcare Global
PO Box 740372
Atlanta, GA 30374-0372
Payer ID: 87726
UnitedHealthcare Group Number:
908211

MultiPlan


If you are filing for a reimbursement, you will need to file a Claim Form, please submit the original, itemized bills and payment receipts to us along with a Claim Form below. Claims must be filed within 90 days of your medical pro
cedure.

CLAIM FORMS
VISIT® E Plus Plans - Medical Claim Form - English
VISIT
® E Plus Plans - Medical Claim Form - Spanish

How do I check on the status of my Claim?
For claims and benefits questions contact VISIT® at 1-800-247-5575 
Open M-F 9am-6pm EST

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 Educational Partners International Plan.

How do I Pay for My Prescriptions?
Prescriptions are a reimbursable expense. If your medical condition is a covered expense, your medication can also be submitted for reimbursement.  You will need to pay for your prescription and then complete a claim form to be reimbursed.
  Include a copy of the prescription and the receipt with the Claim Form.  The deductible and co-insurance apply.

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. 

Your deductible is $100 per year.

What is Co-insurance?
After You pay the Deductible, the plan pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical maximum.

How do I Pay for My Prescriptions?
Prescriptions are a reimbursable expense. You will need to pay for your prescription and then complete a claim form to be reimbursed.

If you need to apply for a reimbursement, download a Claim Form.
VISIT® E Plus Plans - Medical Claim Form - English
VISIT® E Plus Plans - Medical Claim Form - Spanish



What is a pre-existing condition?

A Pre-existing condition means any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy , whether or not previously manifested , symptomatic, known, diagnosed , treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder , for which medical advice , diagnosis , care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy.

What is Precertification?
Emergency Pre-certification: In the event of an Emergency Hospital admission, Pre-certification must be made within 48 hours after the admission, or as soon as is reasonably possible.

Pre-certification Does Not Guarantee Benefits – The fact that expenses are Pre-certified does not guarantee either payment of benefits or the amount of benefits. Eligibility for and payment of benefits are subject to all the terms, conditions, provisions and exclusions herein.

Concurrent Review – For Inpatient stays of any kind, the Plan Administrator will Pre-certify a limited number of days of confinement. Additional days of Inpatient confinement may later be Pre-certified if a Member receives prior approval.

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.  Doctor's not in the Multiplan Network are not required to charge the Reasonable and Customary charge.  Please note: Going to a doctor or hospital outside the UnitedHealthcare Network may result in higher payments for your medical procedure and a higher out-of-pocket expense for you and your family.

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.  Injuries from intercollegiate, interscholastic, intramural or club sports are not covered.

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

Do I need a referral to go to a Specialist?
A doctor’s referral typically is not required.   
 

Important Contact Information
   
Contact VISIT®
   

VISIT® International Health Insurance Programs
P.O. Box 210
Mount Vernon, VA  22121
Phone: 1-703-660-9062 / 1-800-247-5575
Fax: 1-703-991-9164
Email: epi@visitinsurance.com

Hours:
Monday - Friday 9:00 am to 6:00 pm.
Available by email after hours!

 

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

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