Claims Information

CLAIMS PROCEDURE

Once approved for Global Medical Insurance^sm you will receive a fulfillment kit that includes an IMG^® identification card and Claim Forms. When you receive treatment, original itemized bills must be received by IMG within 90 days of services. Eligible itemized bills submitted to IMG will be automatically converted from local currencies. If you are filing an overseas claim, please remember to include the Overseas Benefit Form with the Claim Form and other necessary documentation that you forward to IMG.

CLAIM FILING ALTERNATIVES

Direct Payment to Providers

In many cases IMG works directly with the hospital or clinic, including those outside our PPO, for payment of eligible medical expenses. To file a claim, complete the Claim Form and submit it with original itemized bills. In this case, you will be responsible for your deductible, coinsurance amounts and non–eligible expenses.

Reimbursement

If you have received treatment and need to be reimbursed for out–of–pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days. We will reimburse your eligible medical expenses after applying the deductible and coinsurance.

Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.

Coverage is free for two children aged 9 or younger when both parents are covered under the plan.

PRE–CERTIFICATION

Pre–certification (notification of illness or accident) simply means calling the company prior to treatment. The following treatments must be pre–certified:

• Any surgery or treatment requiring hospitalization
• Outpatient surgery
• CAT scans, MRI's
• Notification within the first 90 days of pregnancy
• Within 48 hours after an emergency admission to the hospital
• Care in an extended care facility
• Home nursing care
• Durable medical equipment including artificial limbs
• Transplants

By notifying IMG we will be able to verify benefits, review length of stay and coordinate payment with the hospital or outpatient facility. Pre–certification may be done by you, the doctor, a hospital administrator or relative.