While carrying out your assigned duties at camp, you are covered by this special type of medical insurance. So, if you have an injury caused by, or related to, your work at camp, you do not need to worry about deductibles or payments - your camp will take care of it. The insurance that we provide is for non-work related cases, on days or nights off, and while you are travelling after camp. Please talk to your camp director about this.
'Co-payment / Deductible / Excess'
This is the amount you have to pay up front before you receive non-emergency treatment. This will be $100, or $50 if you have upgraded your insurance.
Essentially the same thing as A&E, this is for serious injury or illness that requires immediate medical attention - something you would normally require an ambulance for. You will not need to pay co-payment/deductible for this, though you will receive a hefty bill if it is not an emergency - around $350.
This means that the costs of your treatment are billed directly to the insurance company, after you have paid the co-payment/deductible. You do not see, or have to pay any bills.
Remember, you’re covered with AETNA, so you should go to a clinic or hospital that is affiliated with that particular insurance company – if not, you are liable for costs.
This is like a walk-in clinic, or even a visit to your family doctor. You will need to pay your co-payment/deductible. Use the search function on the eSecutive website to find a doctor or Urgent Care facility in your area.