Health Insurance for Inbound Participants

International Participants Coming to the U.S.

To ensure compliance with J-1 Exchange Visitor Regulations and to ensure participant well-being, AIPT includes the federally mandated insurance coverage in our program package.

Reasons AIPT includes health insurance for its participants:

Ensures compliance so that all participants are properly insured By placing all participants on a policy that covers them during the entire duration of their program, each trainee sponsored through AIPT will not be left without insurance coverage. This results in strong compliance with this important federal requirement.

Reduces potential liability to employer and trainee We realize that company policies for selecting and opting out of health insurance—although tailored to regular employees—are not designed to handle the unique characteristics and requirements of temporary visitors to the United States. Sometimes an individual may choose to opt-out of an employer-sponsored health insurance policy not realizing that the training agreement the company submitted to the sponsor required that the individual maintain adequate coverage during their stay in the United States. Company policies also do not frequently offer the mandated medical evacuation and repatriation benefits required by the regulations. AIPT's policy has this bundled as an automatic benefit.

Streamlines the process The new combined package is simpler and less time consuming, resulting in faster and better service. Eliminating the process of individually assessing the coverage selected by each trainee saves time and effort in setting up a practical training program. At the same time, this will make our file review faster, which means better service and support for you and your participants.

Simplifies claims process Because most international participants are not familiar with the U.S. healthcare system and insurance policies, two important aspects are addressed by this change: the information provided to trainees is intended specifically for this group and assumes unfamiliarity with the health and claim system; and unlike many foreign-sponsored policies, the coverage provided under the AIPT program does not require up-front payment and reimbursement collection.

Generates overall cost savings Employer contributions to company health insurance policies are usually far greater than the premium required by the exchange visitor program. The reason for this difference is that the coverage is intended for non-residents who anticipate staying in the country for 18 months or less and who have different coverage needs than regular employees.

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Health insurance claims for participants

What happens if I have a health insurance claim through the AIPT-sponsored group health and accident plan?
Call IEES (health insurance company) at 1-866-433-7462 (toll-free) or visit the IEES Web site at www.iees.com for more information on your plan.

AIPT recommends that you speak to your supervisor or human resources department about doctors and medical facilities in your area when you first arrive. It is better to ask questions before you actually need to see a doctor. Americans are usually happy to recommend a certain doctor or a certain medical clinic. If you would like a referral to a doctor or health care facility, you may visit Hygeia at www.hygeia.net.

Remember that it is your decision whether or not to contact Hygeia and your benefits are not affected by your decision.

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Package Options

It is strongly recommended that you consider the need for medical evacuation/repatriation. If you are not adequately insured by the foreign employer, and do not have your own insurance, you may request that AIPT enroll you in its group health and accident plan which is available at a cost.

AIPT Insurance Coverage (Participant Only)

Price	Benefits
Insurance is included in program fee.	Basic Medical - 80% of the first $6,200 of the covered expenses incurred, until a $5,000 benefit is paid. Supplemental Major Medical - 100% of the covered expenses incurred after the Basic benefit is paid, until an additional benefit of $45,000 is paid. Catastrophic Major Medical - 80% of the covered expenses incurred after the $45,000 Supplemental benefit is paid, up to a benefit of $100,000. Accidental Death and Dismemberment - $50,000 per participant. Emergency Medical Transportation (Evacuation/Repatriation) - Unlimited. Emergency Family Airfare Expenses - $2,500.

Price

Benefits

Insurance is included in program fee.

Basic Medical - 80% of the first $6,200 of the covered expenses incurred, until a $5,000 benefit is paid.
Supplemental Major Medical - 100% of the covered expenses incurred after the Basic benefit is paid, until an additional benefit of $45,000 is paid.
Catastrophic Major Medical - 80% of the covered expenses incurred after the $45,000 Supplemental benefit is paid, up to a benefit of $100,000.
Accidental Death and Dismemberment - $50,000 per participant.
Emergency Medical Transportation (Evacuation/Repatriation) - Unlimited.
Emergency Family Airfare Expenses - $2,500.

AIPT Insurance Coverage (Dependents Only)

Price	Benefits
$375/month - covers all dependents.	Basic Medical - 80% of the covered expenses incurred, until a $5,000 benefit is paid. Supplemental Major Medical - 80% of the covered expenses incurred after the Basic benefit is paid, until an additional benefit of $45,000 is paid. Accidental Death and Dismemberment - $10,000 for spouse, $5,000 per child. Repatriation of Mortal Remains - Unlimited. Emergency Family Airfare Expenses - $2,500. Dependents have 31 days from either entering the U.S. or marriage to secure coverage.

Price

Benefits

$375/month - covers all dependents.

Basic Medical - 80% of the covered expenses incurred, until a $5,000 benefit is paid.
Supplemental Major Medical - 80% of the covered expenses incurred after the Basic benefit is paid, until an additional benefit of $45,000 is paid.
Accidental Death and Dismemberment - $10,000 for spouse, $5,000 per child.
Repatriation of Mortal Remains - Unlimited.
Emergency Family Airfare Expenses - $2,500.
Dependents have 31 days from either entering the U.S. or marriage to secure coverage.

AIPT Insurance Coverage (Dependent Medical Evacuation & Repatriation Only)

Price	Benefits
$7/month - covers all dependents.	Emergency Medical Transportation (Evacuation/Repatriation) - Unlimited. Repatriation of Mortal Remains - Unlimited. Emergency Family Airfare Expenses - Unlimited (if hospitalized for 3 days).

NOTE: All medical evacuation, repatriation, and family airfare benefits require prior approval from IEES and MEDEX Assistance Company.
AIPT Insurance Coverage (one extra month of travel time for participant): $50/month
All medical benefits are on a per illness per injury basis. Please refer to the policy brochure for a complete list of limitations and exclusions and other provisions, such as deductible, co-payment, and definitions. Please contact the policy administrator, International Educational Exchange Services (IEES), if you have any questions.

To enroll in one of the AIPT group health and accident plans options above, complete the Payment of Funds form and return it to AIPT with your program application. If you have any questions, contact us at aipt@aipt.org or call 410.997.2200.

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Forms

All documents are in PDF format.

IEES Insurance Brochure for U.S. Trainees
Insurance Claim form
Frequently Asked Claims Questions
Payment of Funds form

**Adobe Acrobat Reader must be used to view the application materials that are saved as Portable Document Format (PDF) files. If you do not have this program, connect to the Adobe Web site and obtain your free copy.

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