Current Grantees

Current Grantees

The following documents will help you to understand your health benefits as a grantee under the BP Workforce Readiness Scholarship Program.

Frequently Asked Questions - Health Benefits



Q. When does coverage for myself and my dependents start and end?

A. Coverage begins when you leave Libya for your grant county and continues until you return to Libya at the end of the grant period.

Download the CISI 2012-2013 Brochure (1.5 MB, PDF)

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Q. How do I find a doctor or hospital?

A. CISI can provide assistance to grantees trying to locate a physician overseas and in some cases has established a process where overseas physicians can direct bill CISI (lessening the out-of-pocket expenses).

In the US:
If you need a medical referral (i.e. a doctor, clinic, hospital, pharmacy or medical facility) in the U.S, log on to the myCISI Participant Portal. Page 3 of CISI Participant Portal Overview, linked below, talks about the “US Provider Search” screen within the Portal. The “US Provider Search” screen links to the First Health Network (this link is also available outside the portal at http://fhlookup.phx-online.com/) which is a network of over 500,000 hospitals and medical providers located in the US. As a grantee staying in the US, you should seek medical care from providers in this network so that the bills will be sent to CISI and not to you. These providers have agreed to bill CISI directly, however you will still need to pay the $50 deductible at the time of the visit. The deductible is per injury/illness, so it only needs to be paid once per injury or illness. You are permitted to use any licensed medical provider regardless of whether they are in the network. However, we recommend that you use in-network providers, so that you will not have to pay and be reimbursed or be billed any additional amounts.

Outside the US:
CISI, through it’s 24/7 assistance partner EuropAssist, can provide assistance to grantees trying to locate a physician overseas and in some cases has established a process where overseas physicians can direct bill CISI (lessening the out-of-pocket expenses). If you need a medical referral (i.e. a doctor, clinic, hospital, pharmacy or medical facility) while outside of the U.S., you may use CISI's “International Provider Search” screen in your myCISI Participant Portal and/or contact Europe Assistance, which is CISI's all-hours Assistance Provider at the following phone and/or e-mail:

Europ Assistance
Telephone: +1-240-330-1520 (From outside the U.S., collect calls accepted) or 1-877-577-9504 (From within the U.S.)
Email: ops@europassistance-usa.com
Website: www.europassistance-usa.com

Download myCISI Participant Portal Overview (1.5 MB, PDF)

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Q. Is there a deductible?

A. Yes, there is a $50 deductible per accident or illness. Therefore, if you see a doctor multiple times for the same illness, you would only pay the deductible once.

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Q. How do I file a claim?


A. For minor injuries or illnesses, grantees generally will pay for the medical services out of pocket and then file a claim with CISI for reimbursement. The myCISI Participant Portal and CISI Brochure provide detailed information and claim forms. If you would like CISI to pay the health provider directly, you must contact Europ Assistance before seeking treatment to see if this can be arranged. CISI is always willing to pay a medical provider directly, but it is common outside the US for providers to want payment in full when services are rendered especially for smaller charge amounts.

  1. A completed CISI half-page Claim Form which is found on the top of page 5 in the coverage brochure.
  2. Fully itemized, original medical bills/receipts including patient’s name, diagnosis and description/charge for each service provided

Mailing Address for Submitting Physical Claims (keep copies of what you send especially if mailing from overseas):

Cultural Insurance Services International (CISI)
River Plaza
9 West Broad Street
Stamford, CT 06902-3788 USA

E-Mail Address for Submitting Scanned Claims (recommended if sending from overseas):

E-Mail: claimhelp@culturalinsurance.com

Download CISI Medical Claim Form (51 KB, PDF)
Download the CISI 2012-2013 Brochure (1.5 MB, PDF)
Download myCISI Participant Portal Overview (1.5 MB, PDF)

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Q. How should I handle treatment and claims for a major injury or illness?


A. If you know in advance that you will be needing extensive treatment (e.g., surgery, extensive tests, etc.), you should contact Europe Assistance, which is CISI’s 24/7 assistance partner, to determine coverage and payments. In some cases, CISI may be able to pay your health provider directly, however you must speak with Europe Assistance before seeking treatment so that they can try to arrange this for you.

If you are hospitalized without any prior notice, please have a medical file (i.e. case) opened for yourself with Europe Assistance. This can be done by you or by someone else (a friend, family member, IIE staff, etc.) on your behalf. This should be done as soon as possible after hospitalization so that Europe Assistance can begin to speak with the hospital about billing CISI directly and about any further assistance you may need from them (i.e. medical monitoring, evacuation back home if medically necessary and approved by Europe Assistance/the treating doctor(s)).

Download an Explanation of How to Handle Major vs. Minor Injuries or Illnesses (99 KB, PDF)

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Q. What should I do if my dependents or I need emergency medical attention?


A. In case of a medical emergency, contact Europ Assistance, which is part of CISI's supplemental Team Assist Plan. They can help with finding a local doctor or hospital, emergency travel arrangements, embassy or consular information, emergency referral to a lawyer and much more.

Europ Assistance
Telephone: +1-240-330-1520 (From outside the U.S.) or 1-877-577-9504 (From within the U.S.)
Email: ops@europassistance-usa.com
Website: www.europassistance-usa.com

Download Information about Europe Assistance (42 KB, PDF)

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Q. Who should I contact for questions about eligibility, filing a claim or a claim status?


A. All queries regarding the CISI plan should be directed to:

Cultural Insurance Services International (CISI)
River Plaza
9 West Broad Street
Stamford, CT 06902-3788 USA
Telephone: 1-203-399-5130
Fax: 203-399-5596
E-Mail: claimhelp@culturalinsurance.com
Website: www.culturalinsurance.com

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Q. Where can I find information about supplemental medical insurance?


A. If you require additional insurance coverage for yourself or your dependents before or after your grant period, you will need to purchase insurance from another organization.

CISI’s sister company, CareMed, based in Germany has travel plans to cover insureds from age 6 to age 69. The link to review and enroll in a CareMed plan is as follows: http://www.caremed-travelinsurance.com/index.php. Please e-mail or phone Marc Pietz or Katrin Schwering in Germany at: germany@caremed-travel.com or +49(0)228-5554900 with any questions. Enrollment is on-line with a credit card. Roughly 10-15 minutes after each successful enrollment, you will receive an e-mail back with the corresponding personalized insurance materials including: 1) A detailed insurance confirmation letter with ID card (which should satisfy most visa requirements) and 2) detailed policy wording with a claim form on the last page.

For additional options, see below:

Download a List of Companies That Offer Short-term Insurance for Educational Exchange Participants (230 KB, PDF)

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