2.  Through the exchange organization, Nacel Open Door, Inc., insurance coverage is provided for all students currently studying at SPP.  Chartis insurance is used for all exchange students.

3.  Are routine physicals covered? ◦ No, they are not covered, as we only offer illness and accident insurance. ◦ Physicals must be paid for by the student. ◦ We do not recommend that host parents pay for medical costs. However, if this has occurred, please contact your Coordinator or the Nacel Open Door National Office to inquire about reimbursement from the student’s natural parents.

4.  Students sometimes need immunizations before starting school. If the student has not received all required vaccinations, would these be covered by the insurance policy? ◦ No, immunizations are not covered by insurance. ◦ Students and their families are informed about the vaccinations they need before they leave their home country. ◦ If for some reason the student did not receive all required vaccinations, please assist them in making arrangements for this. It is the student's responsibility to pay for all immunizations.

5.  If my student is ill, should I take him/her to a family doctor or the emergency room? ◦ If a family doctor is available to see the student AND if the situation at hand is not life threatening a family doctor is the best option. ◦ If there is no other resource, urgent care or an emergency room can be utilized.

6.  When I take my student to a doctor, how should we handle payment of the bill? ◦ The best option is to have the doctor or clinic bill Nacel Open Door directly. The billing address information is on the back of the insurance card. ◦ If there are out of pocket expenses, please fill out the Nacel Open Door claim form and mail it to the Nacel Open Door National Office.

7.  Where do I find a Nacel Open Door claim form? ◦ There is a claim form in the back of the host family handbook. You may make copies and have the person who made payment submit them to the Nacel Open Door National Office. ◦ There is also a claim form with the insurance certificate in your Host Family Packet. ◦ If you cannot locate a claim form, simply call Kathy Whitney at the Nacel Open Door National Office at 1-800-NACELLE.

8.  Are prescriptions covered? ◦ Yes, prescriptions are covered, except for medication that can be purchased “over the counter,” such as aspirin, cold medicine, etc. ◦ Furthermore, prescriptions for pre-existing conditions or psychological medications are not covered.

9.  What should I do if my student needs dental attention or eye care? ◦ The insurance certificate indicates that general eye care is not covered and only emergency dental care is covered. ◦ If the student needs dental work that exceeds the coverage amount on the insurance certificate, he/she is responsible for the additional cost. ◦ If the student needs eye care (unless as a result of a covered accident), the student is responsible for the cost of the eye care.

10.  What are some things NOT COVERED by the illness and accident insurance policy? ◦ A few examples of things NOT COVERED include:  physicals  medical care or prescriptions for any pre-existing conditions (such as allergies, acne, etc.)  eye care or related prescriptions (unless the eye care is needed as result of a covered accident)  plastic surgery  psychiatric or mental health care  drugs not prescribed by a physician

11. Click to find quiz location on SPP website