Disclaimer: Please note this insurance fact sheet is for informational purposes only.
Please review your insurance
booklet for complete information. All insurance questions should be directed to Cambridge Administrators at 1-888-
868-7554
Before you come to the US
Health Care in the US can be very expensive. It is very important to make sure you are healthy before you come to the
US and plan to only use health services for unexpected medical needs. Here are our recommendations of things you
should do before you depart your home country:
• Review Your Insurance Booklet-please log into your WISE online account for access to your insurance booklet.
• Prescription Medication: If you take any prescription medication you should make sure to get them refilled
before you leave and bring enough for your entire program
• Eye test: Your insurance in the US will not cover your basic eye health. Be sure to have your eyes examined
before you leave and bring enough contacts or other eye care supplies with you
• Dental exam: Your insurance in the US also does not cover routine dental health. There is a limited amount of
coverage that can be provided for pain relief. You should go to the dentist before you depart for the US and
make sure your teeth are healthy
• Get a General Check-Up: It is a good idea to see your normal doctor before you depart for the US for a general
check-up just to make sure you are healthy and prepared to travel to the US
If You Need Medical Attention in the US for…
Cold/Flu
If you are experiencing general cold symptoms, you can purchase basic cold and flu remedies at a local pharmacy
without a prescription or a doctor’s visit. If your condition worsens and you need to seek medical treatment, you should
find a local Urgent Care Walk-In Clinic. This will be quicker and less expensive than going to the emergency room.
Your insurance covers you in the event you contract COVID-19. Please refer to the www.wisefoundation.com or contact
Cambridge Administrators at 1-888-868-7554 regarding medical coverage. For further information on COVID-19 please
visit your WISE online account or go to https://www.cdc.gov/coronavirus/2019-nCoV/index.html
General Sickness/not feeling well
Unless you have severe symptoms, it is not necessary to go to the emergency room when you are not feeling well.
If you feel you need to see a medical provider for a cold, flu, general sickness or not feeling well, you should find a local
provider in your area. You can find a local provider by calling the insurance company at 1-855-868-7554 or by going to
www.MyFirstHealth.com to find a participating medical provider. An Urgent Care Walk-in Clinic is generally
recommended for non-emergency conditions and will be your best chance to see a doctor right away.
Emergencies
If you need emergency medical care for severe symptoms, you should go to the emergency room (ER). The emergency
room is only for extreme symptoms when you need to see a doctor immediately! If you go to the emergency room, you
will be required to pay a $400 deductible as opposed to a $50 deductible at a participating Urgent Care Walk-in Clinic for
minor health needs.
Ambulances are also only for medical emergencies. If you need to go to the hospital or clinic but it is not life-
threatening, take transportation such as a cab, bus, or subway, or ask a friend or your manager to drive you.
Workers Compensation
If you are injured at work, you should contact your manager immediately and follow their instructions to fill out a
Workers Compensation claim. Workers Compensation is insurance held by your employer to cover work-related injuries.
FAQ:
What is a deductible?
A deductible is the amount of money you are responsible to pay for medical visits that are not covered by the insurance.
This amount will be paid at the time of your visit. If you contact the insurance company and follow their instructions -----
prior to going to an Urgent Care Walk-in Clinic or local doctor’s office, this amount will be $50. If you are going to the
Emergency Room (ER), this amount will be $400.
What if I lose my insurance card?
If you have your lost your insurance card, please call WISE at 770-579-0567 or email us at
[email protected].
What is a claim form?
A claim form is a document you fill out and provide to the insurance company that provides details about you and your
injury or illness. This is the document that the insurance company reviews to consider payment of the medical bills. You
can find a copye of your claim form in resources section of your WISE online account.
What should I do if the medical provider sent the bill directly to me and not to the insurance company?
If you received a medical bill, fill out a claim form and attach the bill(s) you received. Follow the instructions on the claim
form to submit the bill to the insurance company.
Will the insurance cover me if I’m in a car accident and I’m the driver?
The insurance will cover you if you are in a car accident, but NOT if you are the driver. For an additional premium of $5
per month, you can buy coverage that will pay for your medical expenses per the terms of the policy if you are injured
while driving a passenger car as a legal driver. Contact WISE before you begin your program to arrange for the extra
insurance. This additional coverage is not valid for Mopeds, Motorcycles, ATVs, etc. whether licensed for on-road use or
not.
What is not covered?
Pre-existing Conditions are excluded. These are the expenses arising from an injury or illness for which you have
incurred charges, received medical treatment, or taken prescribed drugs or medicine in the 2 years immediately before
the dates of travel. The following are some of the items that are not covered by the insurance policy:
• Physical Examinations and Vaccinations • Injuries that Occur At Work (see Workers
• Eye Test Compensation Section of this Form)
• Routine Dental Exam
• Preventive Medical Services and Wellness Benefits
• Maternity, Pregnancy, Abortion or Childbirth
Please contact the insurance company at 1-855-
• Sexually Transmitted Diseases 868-7554 for a complete list of policy exclusions
• Mental and Nervous Claims
• Self-Inflicted Injury and Suicide or Attempted Suicide
• Claims from Use of Alcohol, Drugs, or Criminal
Activity
• Travel Outside of the United States
• Travel Expenses, to, from, and in the United States
o Bungee Jumping
o Snowmobiling
Injuries that occur from: o Motorcycle/Motor Scooter Rriding
o Operating a Motor Vehicle (unless bought o Scuba Diving
additional insurance from WISE at the time of o Spelunking (Caving)
application) o Parasailing
o Professional Athletics o Racing by Horse, Motor Vehicle, or Motorcycle
o Amateur or Interscholastic Athletics o Skiing
o Mountaineering o Sky Diving
o Hang-Gliding o Professional or Amateur Racing or Piloting of any
o Parachuting Aircraft
Prescription Medication
You should fill any normal prescription that you take before coming to the US. However, if a doctor in the US should
prescribe you medication for an illness or injury you experience while in the US, you will need to go to a pharmacy to
pick up the medication. CVS and Walgreens are the most common pharmacies in the US. You will need to pay for the
medications at the pharmacy. The insurance company requires the following information along with the claim form:
date, name of the drug, person for whom prescribed, and 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.
