Assurance Maladie

 

 

 

The following is helpful information when considering international student health insurance and medical care

WHAT IS HEALTH INSURANCE?

  • Doctors and hospitals might be very expensive in the USA; health insurance helps you pay some of your medical care costs.

WHY GET HEALTH INSURANCE?

  • Buying medical insurance now may save on medical costs in the future
  • Medical insurance provides your routine care (such as health physicals) and preventative care (such as shots and screenings)

HEALTH CARE TIPS

  • Carry your insurance card with you and show it whenever you visit a doctor or hospital
  • “In-network” means that the doctor or hospital has agreed with the insurance company to provide medical services at lower prices
    • In-network does not automatically mean that all services will be paid for by insurance
  • “Out-of-network” means that the doctor or hospital has not agreed with the insurance company to provide medical services at lower prices and services may be more expensive than “in-network”

WHAT IS THE DIFFERENCE BETWEEN URGENT CARE AND THE EMERGENCY ROOM (ER)?

  • Urgent Care is for minor illnesses or injuries, such as:
    • Colds, coughs, sore throat, or flu
    • Fever
    • Minor cuts, sprains, and skin rashes
  • The Emergency Room (ER) is for major emergencies, such as:
    • Accidents
    • Major injuries
    • Severe shortness of breath
    • Loss of consciousness
    • Bleeding that does not stop
      • Seek medical help right away if you have a medical emergency.  You can be treated in the ER without insurance; if you forget your health insurance card you can always provide the insurance information later

       

DEPENDENT HEALTH CARE (HUSBANDS, WIVES, AND CHILDREN)

  • The Primary Member is the main person that holds an insurance policy. If you buy your own health insurance, you are the Primary Member
  • Dependents of the Primary Member may be included in the insurance plan. Husbands, wives, and children are dependents if included in the Primary Member’s insurance plan
  • Insurance price depends on your age and gender
  • Private insurance companies

OPTIONS FOR INDIVIDUALS WITHOUT INSURANCE

  • In an emergency, the hospital Emergency Room (ER) must help any person who comes to them
  • There are free or low-cost clinics as well

    Planned Parenthood
    Provides women’s health services such as birth control, testing, abortion, STDs, and emergency contraception

    Federally Qualified Health Centers (FQHC)
    Provide low-priced services regardless of visa status

    Sample Locations
    Uptown: Heartland International Health Care
    845 W. Wilson Ave., Chicago, IL 60640
    (773) 506-4283
    West Town: Erie Family Health Center
    1701 West Superior St., Chicago, IL 60622
    (312) 666-3494
    Lower West: Mercy Diagnostic and Treatment Center
    1713 S. Ashland Ave., Chicago, IL 60608
    (312) 567-7933
    Englewood: UIC/Miles Square Health Center
    641 W. 63rd St., Chicago, IL 60621
    (888) 724-0116
    South Chicago: Chicago Family Health Center
    9119 S. Exchange Ave., Chicago, IL 60617
    (773) 768-5000
    Roseland: Aunt Martha’s Youth Service Center
    200 E. 115th St., Chicago, IL 60628
    (877) 692-8686
    South Lawndale: Circle Family Health Care Network
    1201 S. Campbell Ave., Chicago, IL 60608
    (773) 379-1480

    CommunityHealth Clinics
    • Offer medical and dental care, health education, lab tests, medications, and social services
    • Provide health care at no cost to low-income, uninsured individuals
    • Locations
      West Town
      2611 W. Chicago Ave., Chicago, IL 60622
      (773) 395-9900
      Englewood
      641 W. 63rd St., Chicago, IL 60621
      (773) 994-1515
  • Some universities and medical schools such as Rush University, Loyola, UIC, and Midwestern University  provide reduced health and dental care services
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CONFUSED?

For general questions contact International Student Services at 773-866-0111, ext. 508 or dso@BIRTraining.edu

Please directly contact the insurance company if you have specific questions about plan details or wish to enroll in an insurance plan