Frequently Asked Questions About Insurance

Question: Do I have to go to any particular doctor or hospital?

Answer: No. You can go to any doctor or hospital. The hospital emergency room, however, should be used only in the case of serious injury or illness. You can look in the telephone book (yellow pages) under medical clinic, family medicine to find a medical provider. You can also discuss local providers with your employer, as he or she should be familiar with doctors in the community.

Question: What do I do in case of an emergency?

Answer: For a life-threatening emergency you should go to the nearest emergency room or dial 911 for an ambulance.

Question: What if my injury is not life-threatening?

Answer: For less serious accidents or illnesses, you should go either to a minor emergency clinic or make an appointment with a doctor at his or her office. Hospital emergency rooms treat the most serious cases first. Because of this, people with minor emergencies sometimes experience long waits for attention. Hospital emergency rooms are also more expensive than other places to receive treatment. (please delete space between this question and answer)

Question: Does this policy pay for prescription drugs?

Answer: The policy pays for prescription drugs used to treat an accident or illness incurred while in the United States. It does not pay for vitamins or over-the-counter medications. It also does not pay for prescription drugs prescribed for reasons other than the treatment of an illness or accident. (Examples: Birth control pills, weight loss medication, and aids to quit smoking).

 


Medical Insurance

WISE participants are covered by ACE Insurance during their program dates.

Your insurance card arrived along with your DS-2019 form. Please be sure to carry this card with you at all times, along with the insurance booklet that contains information about your policy and a copy of a claim form. If you do not have your card with you in the US, please contact WISE immediately for a replacement.

If you need medical attention while on your program, this page provides you with helpful information to ensure you are reimbursed for any costs above and beyond your deductible. Please read all information carefully, and if you have any questions, do not hesitate to contact WISE or ACE Insurance.


ACE Insurance
Claims Processing Center:

ACE American Insurance Company Accident and Health Claims
1 Beaver Valley Road
PO Box 15417
Wilmington, DE 19850

Emergency Phone Number: 1-800-243-6124

Information about your insurance coverage, benefits, and how to file a claim can be found in the Policy and Insurance Handbook provided to you with your DS-2019 form and insurance card. To view a copy of this handbook, please click below:

ACE Policy and Insurance Handbook


Claim Procedure
If you need medical attention, you will need to pay a $50 deductible at the time you receive treatment. In some cases, you may be required to pay for services up front and then file a claim form in order to receive reimbursement. A copy of this claim form can be found in the packet sent to you along with your DS-2019 form and insurance card and handbook. Below is a link to a copy of the ACE Insurance Claim Form.

ACE Insurance Claim Form

One claim form must be completed for each accident or illness. The claim form should then be filled out completely and returned to the address indicated on the form, along with an itemized bill that you received at the doctor’s office.Be sure to make a copy of your claim form and itemized bill for your personal records before you send it to the insurance company. All claims for should be filed as promptly as possible and returned no later than 90 days from the date of service.

If possible, a claim form should be brought along with you to all medical visits. The provider can then submit all bills and claim form together. A claim form should also be submitted with any prescription receipts or medical bills you are submitting. In this case, a doctor's signature is not necessary if the provider has already submitted a claim form. Indicate to whom the payment should be made. If you have paid the provider, then make sure you have noted this on the claim form. In this case, it will be your responsibility to send in the claim form and bills/receipts.

Helpful Hint: When you are at the doctor's office, request a super-bill or standard health insurance bill. When in the hospital, request a form UB-92 or its equivalent. For prescription drugs, the company requires the date, name of drug, person for whom prescribed, and the charge. This information is often attached to the bag by the pharmacist but may come in other forms. Make sure your pharmacy receipt includes all requested information. Cashier receipts are not accepted.

All bills must be original, no photocopies, with diagnosis, date of service, provider's name and amount. If you or someone else other than the provider submits the claim form, verify that all this information is on the bill before mailing it to the processing center. The claim will not be paid until bills with all required information are submitted.

KEEP A PHOTOCOPY FOR YOUR RECORDS OF THE INFORMATION YOU SEND TO PROCESS A CLAIM INCLUDING THE COMPLETED CLAIM FORM AND ALL RECEIPTS.

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