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A Brief Guide to Understanding
Your Travel (Health) Insurance
in the U.S.
What You Will Learn from This Brief Presentation
How to download your health insurance app to your phone
3 health insurance words you need to understand
Where to go when you don’t feel well
Where to go in an emergency
What to do when prescribed a medication by your physician
How to submit a claim for reimbursement
Where to get dental care
Places to get eyeglasses or contact lenses replaced
How to contact our office
There is NO National Health Insurance
in the United States. However…
You have a travel health insurance policy through Secutive….
Download the esecutive app!
• With the new MyInsurance Mobile App you can access all of your insurance information and view your Identification (ID) Card right from your phone
• The app is available for iPhones, iPod Touch and Androids and our mobile site, http://mobile.esecutive.com, can be viewed on any smartphone browser!
• Your travel insurance policy is for accidents, emergencies and major illnesses
• Using it without understanding how it works can be expensive
• A visit to the ER that is not an emergency willcost = $350.00
• Name brand prescription drugs
• A visit to an Urgent Care Clinic costs = $50.00
• Generic prescription drugs
3 Words You Need to UnderstandCo-payment
Pre-certificationClaim Form
1. What is a Copay (Copayment)?
• A copay is a flat rate you’ll pay for a specific service.
• Once you pay the copay, your insurance will pay the rest of the cost.
A doctor’s visit costs $175.00
and your copayment is
$50.00.
You will pay the doctor $50.00 at the time of your
office visit.
Your insurance company will then pay the
remaining $125.00
Here is an example:
2. What is a Pre-existing Condition?
• Pre-existing conditions are excluded from coverage under this policy
• They are known medical or psychological conditions that you have had and received treatment for during the 6 month period prior to your insurance coverage.
What is a Claim Form?
• A claim form is a printed document that is used to request reimbursement (money back) from your insurance company.
• This form can be found on Secutive’s website
• If you have questions about how to fill a claim form out, please call us at 404-843-0688, Mon-Fri, 8 to 5 Eastern Standard Time
How to Submit a Claim for Reimbursement
Download a claim form from the Secutive
website and fill it out completely
Take a photo of your receipts to keep and
send the receipts stapled to the claim
form to:
Payer ID#87726 United
Healthcare
P.O. Box 740372
Atlanta, GA 30374-0372
Not Feeling Well?
Go to Urgent Care or Walk-in Clinic (not the Hospital)
• Physicians and nurses are there to help you
• You will pay a $50.00 co-pay
• Open 7 days a week and typically in the evenings.
Illnesses such as…
Sore throats, minor cuts, cold/flu, sprains and strains, urinary tract infections, earaches, simple fractures or minor burns can be treated there.
If you have a Medical Emergency… Call 911 or go to the nearest Emergency Room (ER)
Chest Pain
Loss of Consciousness
Life threatening situations
Difficulty breathing
Seizures
You will be charged $350.00 if you use an ER for a condition
that is not considered life threatening
If the Doctor Gives You a Prescription…
Ask for the generic version
of the medication.
Visit Goodrx.com to
compare prescription
prices in your area.
Have your prescription filled at the
pharmacy and pay for the medication.
Submit a claim form along with 1. your receipt
for the Doctor’s visit AND 2. the receipt for the
cost of the medication to your insurance
company…
Wait to receive your 100%
reimbursement (money back)
from the insurance company.
Save the receipts for your medications! You will need to send:1. a copy of the prescription receipt 2. the bill from the Doctor’s visit AND3. the claim form to the insurance company to be reimbursed.
Do Not Use the Phrase “Office Visit” in Your Claim Form!
Office Visits to a private Doctor’s office WILL NOT be
paid for (covered) by your insurance.
Seeing a Doctor at an Urgent Care Center WILL be paid for (covered) by your insurance
Seeing a Doctor at the Emergency Room in a
Hospital WILL be paid for (covered) by your insurance
if it is a life-threatening emergency.
When you submit a claim form to your insurance
company, do not use the phrase Office Visit
Dental Care in the U.S.
Dentists in the U.S.
• Typically have private practices and are expensive
• Don’t accept your insurance
Dental Clinics in the U.S.
• Are usually part of a large university with a medical school
• Offer much less expensive dental care
• Are staffed by Dental Interns
Examples of Universities with Dental Clinics
Call us and we can assist you with finding a clinic close to where you are.
Or, enter in your internet search box…College of Dentistry and the name of your city (or closest large city) and search for an on-campus dental clinic.
• University of Illinois - Chicago
• Ohio State University - Columbus
• Louisiana State University – New Orleans
• University of Maryland -Baltimore
• University of California – San Francisco
• New York University College of Dentistry Clinic – New York City
Vision Care – Replacing Glasses and Contact Lenses
• Glasses- Generally, the
frames in the U.S. cost
between $60 to $400,
without insurance
• With a prescription…could
be an overall cost of $600 -
$800 for a pair of glasses.
• Walmart and Target offer
better prices…
• Contact Lenses
If you have questions, please contact us at …
2. What is ?
• Pre-certification is the process of obtaining permission (authorization) from the insurance company for you to have a medical procedure done.
Please call the 24 hour United Healthcare Service Hotline for pre-certification at:
1-800-251-1712 or
send an email to [email protected]
If you are hospitalized, please call the 24 hour United Healthcare within 48 hours at 1-800-251-1712 or send an email to:
If you become ill and are told by the Physician that you need to have a surgical procedure, the first step for you is to call United Health Care to get permission (authorization) to have the surgical procedure.
Need to include this??????