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Medical Insurance in U.S.


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Learn basic information on U.S. Health Care system and how your Firebird Insurance plan works.

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Medical Insurance in U.S.

  1. 1. MEDICAL ASSISTANCE & What do you INTERNATIONAL do when you get sick or injured? INSURANCE
  2. 2. HOSPITAL, CLINIC OR DOCTOR’SOFFICE? What are the differences?
  3. 3. HOSPITAL Emergency Care (24/7) in yourEmergency care Neighborhood• Admitted by ambulance• Heavy bleeding & uncontrollable pain N o r t h we s t• Care needed outside normal business hours H o s pit a l & M e di c al Ce n te rMajor Surgery/operation H a rbo r v iewICU (Intensive Care Unit) – up to $30,000 per day M e di c al Ce n te r Swe di s h M e di c a l Ce n te r
  4. 4. CLINIC (URGENT CARE) Clinics in your NeighborhoodDay time and Weekend visit by *walk -in C a re P l u s M e dic al Minor injuries (scrapes, cuts, rash) C e n ter ( S h o relin e) Minor sickness (cold, flu etc.) U W M e d icine*walk-in = no appointment necessary ( S h o relin e C l i n ic ) U S H e a lt h wo rk s M e dica l G ro u p o f Wa s h in gto n
  5. 5. DOCTOR’S OFFICE Doctors in Primar y Care Physician = General Doctor your• Initial diagnosis on your sickness or injury neighborhood• Provide referrals to see a specialist Use “DocFind” Specialized Doctors feature on Firebird• Physical therapist, Podiatrist, Acupuncturist, International Dermatology etc. Insurance website
  6. 6. SAMPLE COST FORSICKNESS & INJURY Broken legs – $3,000 Skin Allergy - $500 for multiple tests and $100 or more per medication Asthma - $200 for diagnosis and $100 or more per medication Childbirth - $18,000 or more
  7. 7. HOW INSURANCE WORKS: VISITING A DOCTOR Visit a doctor, Pay $15 ($50 at hospital) Complete a hospital or a clinic in PPO COPAYMENT CLAIM Network per FORM sickness/injury
  8. 8. HOW INSURANCE WORKS: BUYING MEDICINES Bring your Complete a PRESCRIPTION Pay your prescription PRESCRIPTION ORDER to a local medicines. pharmacy. FORM Prescription medicines are covered at 50% foroutpatient care and 100% for inpatient care (ifadmitted to the hospital.
  9. 9. COMPARISON CHART Maximum Medical Repatriation Benefit Evacuation of remainsU.S. $100,000 $25,000 $25,000Standardfor Int’l StuFirebird $250,000 $50,000 $50,000InsuranceCompany
  10. 10. HOW TO ENROLLINSURANCE Sign up when Start using you register when a quarter The coverage classes by starts. It covers starts from adding Z020 during your quarter the first day for item number BREAK. of quarter through a quarter break . Pay $258.75 when you pay your tuition.
  11. 11. COVERAGE TERM First day of classes through the day beforethe next quarter begins including a school break .For example: September 26 – January 6, 2013(Winter quarter begins on January 7, 2013)
  12. 12. Sign up for International Insurance like a class EVERY QUARTER through your Registration Form or register online! Item number: Z020
  14. 14. WHO DO I CALL IF I HAVE ANY QUESTIONS? Firebird is available to answer any questions or other issues you have 24 hours a day, 7 days a week. Local WA Phone #: 206-909-8550 Toll Free Phone #: 1-800-899-4233 E-Mail: Website:* This information is also on the back cover of the insurancebooklet.
  15. 15. WILL THE FIREBIRD PLAN COVER ME IN MY HOME COUNTRY? The Firebird plan will cover you anywhere in the world including your home country if you are required to pay for your health care.
  16. 16. YOUR INSURANCE ID CARD PLEASE KEEP IT IN YOUR WALLET In about 3-4 weeks, you will receive a permanent ID card with your name printed and new medical ID number.
  17. 17. SAMPLE SERVICES THAT ARE NOT COVEREDExamples Include: Eye Exam for prescription eyeglasses or contact lenses. Routine Dental visits such as x -rays, teeth cleaning, teeth extraction, cavity fillings, etc. Routine physical exams. Immunizations or vaccinations.A full list of exclusions is available in the insurance bookletunder “General Policy Exclusions ” or visit
  18. 18. SERVICES THAT ARE COVERED UNDER THE FIREBIRD PLANExamples Include: Doctor visits, surger y, emergency room, hospital, lab, x -rays, all related to the treatment of an illness or injur y.A full list of benefits is available in the Schedule of Benefitsin the insurance booklet or visit
  19. 19. HOW DO I FIND A DOCTOR ON THE FIREBIRD WEBSITE? A step-by-step guide on finding a doctor is available in the insurance booklet.