When will I receive the insurance card and related documents after applying for
- If you are applying for coverage under a Patriot family plan, IMG will process your application and send your ID and other documents within one business day. If you apply for global or group series coverage, IMG will process your application within three to four business days after receiving all required information, and your materials will be forwarded the same day coverage is approved. We will make every effort to process your application promptly. The exact time frame depends largely on the type of insurance you apply for.
When does the insurance take effect?
- Coverage begins at 12:01 a.m. on the day following the date of receipt of the corresponding payment from this plan. This is your "effective date" when trip cancellation benefits begin. Most other insurance begins when your first trip is scheduled to depart.
How long does it take for a claim to be processed?
- IMG must receive a complete proof of claim before any benefit determination can be made. Proof of claim is defined in your plan or certificate of insurance. Once all information is received, the claim will be processed promptly in accordance with industry standards. However, processing will be delayed when additional information is needed to complete the proof of claim. The insured will receive a Statement of Benefits outlining matters requiring further consideration. Failure to comply may result in the insured's claim being terminated due to lack of response.
Do I need to fill out a claim form every time I see a doctor?
- The Claims Department encourages all insureds to complete a claim form for each new illness or injury. This process lets IMG know that you are receiving treatment and allows us to focus on appropriate billing being submitted on your behalf. If you fail to submit a claim form and additional information is requested, IMG will contact you with a description of benefits and attach a claim form, if required.
How do I apply for a new insurance ID card if the original insurance ID card is
- There are several ways to obtain a copy of your ID card. The Customer Resources page has an ID Card link as a menu item on the right side. Just click on the link and follow the instructions. IMG's Quick Links also provide links to print duplicate cards. Additionally, if you have a MyIMG account, you can print another card once you log in.
Does the insurance cover sports-related illnesses or injuries?
- Insurance contract terms include customized options and add-ons, including additional coverage for high school sports, interscholastic, intramural or club sports, personal liability and legal assistance.
How do I submit a claim?
- There are two methods of filing a claim in the IMG system. One is where the medical provider bills IMG directly, and the other is where the medical provider sends the bill to you, and you submit the bill and completed claim form to IMG. You can create an IMG account after submitting your claim form and you can check whether IMG has received a bill from the medical provider and the status of your claim. You can also call IMG with questions about your claim (1-800-628-4664 or 1-317-655-4500). Please have your insurance ID card ready when you call. If you prefer to speak with IMG in a language other than English, you can request foreign language assistance and tell them your preferred language.
How to treat when you are sick?
- Relevant benefits can be obtained by using insurance medical institutions within PPO or outside PPO. Not every hospital offers direct billing. It is the healthcare provider's decision whether to offer direct billing, rather than the insurance company making the decision. When you get sick, you can try going to the Student Health Center first, where you only pay a $5 copay, but the school health center cannot accommodate emergencies. Urgent Care is available in the evenings and on weekends. , no reservation required. If you need to see a doctor in the United States, you will need to make an appointment. To ensure health insurance benefits, usually try to go to the provider (doctor, hospital or urgent care center) designated by the insurance company. (For those who purchased before June 5, 2019) You can search First Health Network to find a medical provider. (Applies to those who purchased on or after June 5, 2019) You can search UnitedHealthcare Network to find a medical provider. When seeing a doctor, bring your insurance card and personal ID (to verify your identity). If you go to the hospital without an appointment, you can only go to the emergency room. Critical emergency room visits, even without hospitalization, must pay an additional $250 deductible. Remember! In the case of a real emergency, life-threatening or disability, it is recommended that you consider going to the emergency room, otherwise you will incur sky-high medical bills.
Where to buy prescription drugs?
- The United States is a country where medicine is separated, which means that doctors only seepatients and write prescriptions, but do not sell medicines. Patients go to pharmacies to buy medicines based on prescriptions. You can buy prescription drugs at pharmacies everywhereon the road, such as some CVS, Rite Aid, Walgreens, Safeway, and Duane Reade;or in the pharmacy section of large supermarkets, such as Target, Walmart, Costco, Sam's Club.
How to buy prescription drugs?
- ●Make an appointment with a doctor: After a visit, the doctor will issue a prescription based on the diagnosis.
●Get an order: You need to confirm the pharmacy information with the doctor when you see the doctor. The doctor pastes the electronic prescription directly to the designated pharmacy. If there is no confirmed pharmacy for the time being, you can ask your doctor for a paper prescription, and then go to the pharmacy to pick up the medicine yourself.
●To pick up your medication at the pharmacy: Bring your ID and insurance card to the pharmacy. The pharmacist registers and verifies the information and starts dispensing the prescription. If the doctor directly transmits the electronic prescription to the pharmacy, you can first contact the pharmacy to confirm whether the medicine has been filled and confirm the pick-up time. Pick up your medication at the pharmacy pick-up area. The pharmacist will explain how to use it and possible side effects. If you have any questions, please consult your pharmacist promptly.
●Regarding refilling: For some conditions that require long-term use, regular refilling (replenishment) is usually required. The number of consecutive refills is usually marked on the drug label. If you feel that the existing medicines are not effective or have too many side effects, you need to contact your doctor to change the prescription.
