AfterCorps is an affordable, private, comprehensive health insurance policy designed to complement the benefits provided for service-related medical problems under the PC-127C authorization and FECA. Peace Corps will explain the benefits of the policy and pay the first month's premium for all Volunteers. Spouses and dependents (less than 18 years old) are also eligible for AfterCorps; however, the Volunteer must pay all monthly premiums for a spouse and qualified dependents, including the first month. Before the end of their service, Volunteers will be given the opportunity to extend their AfterCorps enrollment for up to 18 months and to enroll qualified dependents
AfterCorps provides coverage for non-service-related health care needs. Specifically, it covers:
- Most pre-existing conditions, including health conditions that existed prior to Volunteer service, those disclosed to the Peace Corps prior to service, and those not exacerbated by service.
- Post-service health care for health problems that developed while a Volunteer was in the U.S. but not directly engaged in Peace Corps business.
- Health problems that develop during vacations, home leave, emergency leave, or while on medevac may be covered if they are not covered by FECA.
- Health care for any non-service-related health condition that arises while AfterCorps coverage is in effect. This coverage is subject to certain exclusions described in the AfterCorps contract.
Like many insurance plans, AfterCorps requires pre-notification of a scheduled hospital admission or you must provide notification within 48 hours after emergency room treatment. You must also provide pre-notification for any outpatient services that exceed $1,000. Please call AfterCorps Assistance: 800.690.6925 or 317.818.2808 (collect calls accepted). Please be sure to read the policy carefully to ensure that you take advantage of the best possible service.
After your Volunteer service, you will automatically receive 30 days of AfterCorps coverage. If you need coverage for your non-Volunteer spouse or dependent children, you must supply the insurance company with their names, social security numbers, dates of birth, and gender before you close service, and pay any required premium.
The Peace Corps strongly encourages you to sign up for extended coverage before you leave your country of service. If your AfterCorps policy lapses, you are not eligible to rejoin the plan and will have to find other insurance to cover your needs.
If you are 65 or older you may be eligible for Medicare. You may choose AfterCorps as your primary plan, but before doing so you should contact the Social Security Administration, which coordinates Medicare, to obtain a full understanding of Medicare coverage and enrollment options. If you choose Medicare as your primary coverage, your AfterCorps coverage will cease.
Premiums and Payment
Peace Corps pays the first month's premium for all Volunteers, but not for spouses or dependent children under 18. Extended coverage must be purchased before the first 30 days of coverage ends.
Currently AfterCorps only offers one plan. As of September 1, 2012, premiums for the AfterCorps plan are $223.10 per month for the Volunteer, $203.93 for non-Volunteer spouse, $205.99 for young adult dependent, and $188.87 per month for a dependent child/children. Premiums are subject to change, please refer to the Plan Summary for the latest premium information.
You may purchase up to 18 months of extended coverage. You may elect to have your premiums deducted from your readjustment allowance. If you cancel pre-purchased coverage you will receive a refund. Alternatively, you may purchase coverage for shorter periods, such as month to month, by sending a check before the expiration of coverage or by having the premium automatically charged to a credit card. All payments for extensions of coverage must be received before the expiration of coverage.
The PCMO or the Administrative officer in-country will explain AfterCorps coverage to you before the end of your service. You are responsible for extending your coverage beyond the first month if you wish to have continued coverage. You are also responsible for enrolling your non-Volunteer spouse and your dependents who are qualified for coverage under the plan.
You will receive a brochure containing an insurance card and a summary of the AfterCorps contract benefits before you end your service. These will contain the information you need to contact AfterCorps, to evaluate the policy, and to extend your coverage beyond 30 days if you so desire. If you lose these materials, you can reach AfterCorps in any of the following ways:
- To extend or confirm your coverage, call AfterCorps at 800.544.1802 or 317.582.2609. You may also fax your extension, paid by credit card, to 317.575.2256. You may email questions to firstname.lastname@example.org.
- For pre-certification of emergency and non-emergency medical treatment, an explanation of medical benefits, status of your medical claim or for a U.S. physician referral, contact AfterCorps Assistance: 800.544.1802 or 317.582.2609. (Collect calls accepted). Pre-certification does not guarantee benefits.
- Submit claims to: Seven Corners, Inc. Attn: AfterCorps, 303 Congressional Boulevard Carmel, IN 46032
- You may also visit the website for AfterCorps' administration under Seven Corners at peacecorps.sevencorners.com.
Frequently Asked Questions
Do I have to decide to extend my policy before I leave the country?
No. As long as you complete the extension application and submit payment within the first 30 days, you will maintain your coverage.
Do I have to extend the policy for 18 months?
No. You may extend your coverage for any number of months, from one to 18, as long as you always extend before the policy expires.
May I use the AfterCorps policy to pay for treatment for service-related conditions while I wait for the OWCP to approve my claim?
No. If OWCP denies your claim, then AfterCorps will cover your condition as it would any other non-service-related health problem.
If I extend my policy for several months and then receive insurance through my employer, will I be able to get a refund of the premiums I paid in advance?
Yes. AfterCorps will refund your premiums based on the months of coverage you paid for minus the months you have been covered by the policy.
I live outside the U.S. Will AfterCorps still cover me?
Yes. You will, however, still be responsible for pre-certifying treatment other than simple office visits.
When I arrived home after service, I called AfterCorps to confirm it had extended my coverage and learned its records still showed me as a Volunteer. How do I ensure that I am covered?
There is a three- to four-week delay between the date a Volunteer's service ends and the time that date appears in the Seven Corners database for AfterCorps. If you call to confirm your coverage and Seven Corners has not yet received your end-of-service date, ask the customer service representative to confirm the date with Peace Corps to verify the start of your coverage.
My doctor's office called AfterCorps to confirm my coverage and AfterCorps referred the call to Peace Corps. Why did this happen?
Because you have three separate but complementary health benefits as part of the post-service health benefits program, the Peace Corps and Seven Corners' AfterCorps work together to ensure that returned Volunteers access the appropriate benefit. If the post-service health benefit you were seeking was service-related, it would be covered by Form PC-127C or under FECA and not by AfterCorps.
Last updated Jan 22 2013