What should I do if prescription drugs are too expensive?
- Drug prices in the United States are set by pharmaceutical companies. To avoid price problems during the drug reimbursement process, we can consider the following aspects:
Switch medicines: If you and your doctor find that the medicine you are taking is more expensive and that other similar medicines are less expensive, you may want to consider switching. However, you should consult with your doctor before changing dressings, and do not change the drug usage plan without authorization.
Use bulk medicines: Sometimes, the more quantities you buy of the same medicine, the cheaper it will be. You may consider buying some medicines in bulk to take advantage of price discounts.
Use discount cards: As mentioned before, some membership cards and drug discount cards can be a good way to help you reduce the pressure of paying for your drugs.
How are prescription drugs reimbursed?
- In the United States, the effectiveness of Medicare reimbursement for prescription drugs depends on whether the drug is "likely to be covered by insurance."
Conventional medicines: These medicines are considered the most basic and commonly used medicines, and most are covered by universal health insurance plans. However, different insurance companies have different standards for reimbursement of such drugs.
Unconventional medicines: Refers to certain medicines that are special, such as medicines that perform certain treatments or diseases. Insurance coverage for this type of drug generally has more conditions that need to be met and more supporting documentation may need to be submitted.
Common commercial company drugs: Typically, these drugs are classified as "reimbursable drugs" by insurance companies, provided that conditions such as drug ordering/distribution, pricing, and administration are met.
Specialty drugs: refers to certain high-impact, complex therapeutic drugs. Insurance coverage for such drugs usually requires more documentation and is more expensive.
How much is reimbursed for prescription drugs?
- If the illness or injury is covered, prescription drugs will be covered at 70% of the normal cost (subject to a deductible), up to the maximum you purchase per illness or injury. When you need a prescription filled, you go to the pharmacy with a prescription from your doctor. Be sure to bring your universal URX discount card. You have to pay for your prescriptions at the pharmacy, but the card gets you 10% to 50% off. You can then submit receipts and claim forms to IMG for reimbursement.
What should you do if you are not satisfied with the claim?
- You can submit a claim appeal by logging into MyIMG by navigating to the claims page and clicking on the details of a specific claim. Claim appeals may also be sent in writing requesting a review of a previously processed claim.
Be sure to submit your appeal and any supporting documentation within 90 days of the initial claim determination. We will review your appeal and respond promptly based on your specific insurance plan or certification. Claim appeals should be forwarded to:
International Medical Group Attn: Claims Appeal PO Box 9162 Farmington Hills, MI 48333, USA
Does the plan cover pediatric check-ups and vaccinations?
- In the United States, insurance plans that cover pediatric check-ups and vaccinations typically cost over $200-300 per month. However, there are sometimes free vaccinations or immunizations, as well as methods for pediatric check-ups available.
Does the plan cover dental and vision?
- For emergency dental treatment due to accidents, the maximum coverage for injury expenses is $500, and the maximum coverage for accidental tooth pain treatment is $350. For vision coverage, it includes eye diseases (such as eye infections) or injuries caused by accidents. Routine dental cleanings or vision exams and eyeglasses are not covered.
If you are looking for insurance for routine dental or vision exams, you can search for some dental insurance companies online to learn more before considering purchasing additional dental and vision discount plans to supplement your medical plan, which can provide discounts for dental cleanings, periodontal treatment, major dental surgeries, vision exams, or eyeglasses.
Can I purchase J visa insurance if I am pregnant?
- J-1 visa applicants are required to purchase health insurance while in the United States to cover medical expenses during their travels. However, pregnancy is considered a 'pre-existing condition,' and applicants may face restrictions and denials when it comes to medical insurance. Specifically, if pregnancy exists at the time of visa application and insurance purchase, it is highly likely that not all medical insurance coverage will be available. Applicants need to choose suitable health insurance based on their individual circumstances and understand the limitations and regulations of insurance companies before traveling.
Is there insurance that covers contraceptive medications?
Can I continue with my current J visa insurance even though I just got my green
- No, you cannot. Even if your current insurance policy is still valid for some time, you are insured under a J visa insurance plan. Due to the change in visa status, the insurance terms no longer apply. Claims may be denied after the visa change.
Does my insurance cover my children's vaccines?
- Not covered, this term is preventive care. Any study tour insurance on the market does not cover preventive care content, including any vaccinations including flu vaccines.
