What should I do if I feel unwell at camp?
If you feel unwell or get injured, your first step is to check in with camp. Most camps have nurses or medical professionals on site who can advise you, provide basic treatment, and help you decide whether you need further care. In many cases, they can assist you without you needing to leave camp.
If further medical treatment is needed, there are 3 options depending on the urgency and severity: telemedicine, urgent care, or the emergency room. Details on each are below.
If you are unsure whether your treatment falls under workers' compensation or your personal health insurance, contact the Camp Leaders US office.
What is workers' compensation?
Workers' compensation insurance is provided by your camp. If you have an accident or injury while working, your camp will assist you and cover the cost. You do not need to worry about claim forms, deductibles, or payments for work-related injuries.
If you are unsure whether treatment is covered by workers' compensation or your personal health insurance, contact the Camp Leaders US office.
What is the difference between workers' compensation and health insurance?
Workers' compensation covers injuries and accidents that happen while you are working at camp. Your health insurance covers illness and injuries that are not work-related.
How does telemedicine work?
Your insurance includes access to Teladoc, a telemedicine service that lets you see a doctor remotely via video call, phone, or secure messaging. Use this for non-emergency illnesses or minor injuries. Telemedicine is free with no copays.
What is Dial Care Mental Wellness?
Dial Care Mental Wellness is a virtual and telephone counseling service included with your insurance. It provides private access to licensed counselors for mental health support, available in English and Spanish, 7am to 10pm EST, 7 days a week.
When should I go to urgent care vs the emergency room?
Walk-in clinic or urgent care is for non-emergency situations. Copay is typically $20 to $50
Emergency room (ER) is for genuine medical emergencies. If the visit does not result in hospitalization, the deductible starts from $350
Telemedicine is free and convenient. Urgent care is for walk-in visits. The emergency room is for emergencies.
What is a deductible?
A deductible is an amount you pay first before insurance kicks in. It applies to the total cost of care. For example, if you have a $100 deductible and your urgent care visit costs $500 total, you pay the first $100 and insurance pays the remaining $400.
What is a copayment?
A copayment (or copay) is a fixed fee you pay for specific types of visits. The copay replaces the deductible for those services, and it is your total out-of-pocket cost when you use network providers. For example, if your walk-in clinic has a $25 copay, the visit might cost $150 total, but you only pay $25. Insurance handles the rest directly with the clinic.
What is direct billing?
When you use a network provider and show your insurance card, the medical facility bills the insurance company directly after you pay your deductible or copayment. This means you do not have to pay the full bill upfront and submit claims yourself. Always bring your insurance card to any appointment, and use the Doctor/Hospital Search tool in your insurance portal to find network providers near you.
How much are the deductibles?
Deductible and copayment amounts vary based on where you receive treatment and your insurance plan. Upgraded insurance has lower deductibles. Check the insurance section of your Camp Leaders profile for your specific plan details.
How do I submit a claim?
When you receive a bill, submit the claim through your insurance portal (Envisage Student Zone for CHI/CENET participants, Beacon for CIEE, or GEO for Greenheart). You can also track claim status there.
Where do I find my insurance ID?
Your insurance ID card is in the insurance section of your Camp Leaders profile. Present it at the time of treatment. Keep it accessible on your phone and carry a printed copy.