Last updated 2020.12.11
Accident and Sickness Program for Exchanges (ASPE) Health Benefits Plan
Fulbright grantees receive an accident and sickness health benefits plan through a group policy arranged by the United States Department of State (USDOS). The Accident and Sickness Program for Exchanges (ASPE) is a limited health care benefits plan designed by USDOS and administered by Seven Corners, Inc. ASPE provides up to $100,000 per covered injury or sickness. Please note that the ASPE plan is NOT an insurance policy nor does it provide coverage for personal effects or the theft, loss, or damage of personal property. Further details regarding coverage can be found in the ASPE Benefits Guide.
While ASPE coverage is minimally adequate, exchange participants should seek advice from their own insurance agents about the advisability of obtaining additional coverage. ASPE becomes the secondary health benefits plan if a participant has other health coverage. Fulbright grantees to Korea are not covered by this benefits plan outside of Korea. KAEC cannot assume liability for any medical expenses in excess of the maximum coverage or outside of the coverage provided under ASPE.
Medications previously prescribed in the U.S. or prescribed for pre-existing conditions do not qualify for coverage. Although most medications are widely available in Korea, grantees are advised to bring with them a sufficient amount of any medication needed. Note that Fulbright grantees to Korea cannot apply for the Korean National Health Insurance Service (NHIS), so any additional coverage desired should come from either an American or an international provider.
Health and accident coverage for dependents is not included in the USDOS benefit plan nor is it provided as a benefit of a Fulbright grant to Korea. Unless dependents are already adequately provided for under an existing policy, grantees are strongly urged to obtain supplemental health benefits coverage. KAEC cannot assume liability for any medical expenses incurred by accompanying dependents of Fulbright grantees.
Payment of benefit claims is processed on a reimbursement basis only. In Korea, medical bills are typically paid in person. Along with a properly completed claim form, receipts are then submitted to ASPE for reimbursement.
Direct payment of medical bills (not including co-pay) is available at only a limited number of medical facilities in Korea. For a list of these facilities, visit wellabroad.com.
Reimbursement for approved medical claims will be sent directly via check or via wire transfer to a bank account within the U.S. Historically, reimbursement has been reliable but slow (requiring two to three months). It is the grantee’s responsibility to submit proper claims as soon as possible after receiving medical treatment. All claims should be submitted before a grantee's official grant period ends. If submitting a claim after the grant period has ended, it may not be considered valid for processing, and thus it may not be reimbursed.
For claim forms, or to login to "My Plan," visit www.sevencorners.com/gov/usdos
While ASPE coverage is minimally adequate, exchange participants should seek advice from their own insurance agents about the advisability of obtaining additional coverage. ASPE becomes the secondary health benefits plan if a participant has other health coverage. Fulbright grantees to Korea are not covered by this benefits plan outside of Korea. KAEC cannot assume liability for any medical expenses in excess of the maximum coverage or outside of the coverage provided under ASPE.
Medications previously prescribed in the U.S. or prescribed for pre-existing conditions do not qualify for coverage. Although most medications are widely available in Korea, grantees are advised to bring with them a sufficient amount of any medication needed. Note that Fulbright grantees to Korea cannot apply for the Korean National Health Insurance Service (NHIS), so any additional coverage desired should come from either an American or an international provider.
Health and accident coverage for dependents is not included in the USDOS benefit plan nor is it provided as a benefit of a Fulbright grant to Korea. Unless dependents are already adequately provided for under an existing policy, grantees are strongly urged to obtain supplemental health benefits coverage. KAEC cannot assume liability for any medical expenses incurred by accompanying dependents of Fulbright grantees.
Payment of benefit claims is processed on a reimbursement basis only. In Korea, medical bills are typically paid in person. Along with a properly completed claim form, receipts are then submitted to ASPE for reimbursement.
Direct payment of medical bills (not including co-pay) is available at only a limited number of medical facilities in Korea. For a list of these facilities, visit wellabroad.com.
Reimbursement for approved medical claims will be sent directly via check or via wire transfer to a bank account within the U.S. Historically, reimbursement has been reliable but slow (requiring two to three months). It is the grantee’s responsibility to submit proper claims as soon as possible after receiving medical treatment. All claims should be submitted before a grantee's official grant period ends. If submitting a claim after the grant period has ended, it may not be considered valid for processing, and thus it may not be reimbursed.
For claim forms, or to login to "My Plan," visit www.sevencorners.com/gov/usdos