VISIT® International Health Insurance                    

1-800-247-5575 or 1-703-660-9062


Welcome Furman International Students


Furman University International Medical Insurance Coverage
Eligibility Requirements:  Furman University International Students
 
Coverages Benefits
Accident and Sickness Medical Maximums per Injury or Illness
Lifetime Maximum
$300,000 per accident or illness
$500,000 Lifetime

Deductible per Period of Coverage
*For a covered medical expense, the Deductible is the portion of your medical bill that is your responsibility to pay to the doctor or hospital. 

Except for Emergency Room, $50 for PPO and Student Health Center per Injury or Illness; otherwise $100 per Injury or Illness.
Deductible – Emergency Room
(applies only to Emergency Room visits)
Subject to $250 but only if no in-patient admission
Coinsurance

100% Plan - NO Coinsurance if Eligible Expenses are incurred within the PPO Network or at a Student Health Center.
Out of PPO Network:  80% of Eligible Expenses up to $5,000, then 100% thereafter.

Pre-existing Conditions Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance during the first six (6) months of coverage.  However, after an Insured Participant has maintained six (6) months of continuous and uninterrupted coverage, Pre-existing Conditions are covered as any other condition.
Hospital Room and Board Average Semi-Private room rate, including nursing services
Local Ambulance $750 per Injury or Illness, when covered Injury or Illness results in Inpatient hospitalization
Intensive Care Unit Usual, Reasonable and Customary Charges
Outpatient Treatment Usual, Reasonable and Customary Charges

Mental Health Disorders
(including Drug Abuse and Alcohol Abuse)

Outpatient: $50 per Day with $500 Maximum

In-Patient:  URC to $10,000 Lifetime Maximum
Treatment must not be at a Student Health Center

Prescription Drugs
Click here for more information
$15 Generic/$30 Brand Co-Pays, up to Annual Policy Maximum
(NO Sublimit and can use Any Pharmacy)

Important Information: Universal Rx Pharmacy Help Desk: 1-800-788-2910 -or- www.universalrx.com 

Maternity Care for a Covered Pregnancy Usual, Reasonable and Customary Charges
Routine Nursery Care of Newborn $750 Maximum per Certificate Period
Therapeutic Termination of Pregnancy $500 Maximum per Certificate Period
Physical Therapy & Chiropractic Care URC - limit one visit per day
Intercollegiate, interscholastic, intramural or club sports

$5,000 Maximum per Injury or Illness. Medical expenses only

All other Eligible Medical Expenses Usual, Reasonable and Customary Charges
Dental Treatment due to Accident

$500 Maximum per Certificate Period, No Maximum per Tooth

Dental Treatment to alleviate pain $350 Maximum per Certificate Period (not subject to Deductible or Coinsurance)
Emergency Medical Evacuation

$500,000 per Participant Maximum Lifetime / (not subject to Deductible or Coinsurance)
Please call (317) 655-4500 for Emergency Medical Evacuation requests.

Repatriation of Remains $50,000 Maximum (not subject to Deductible or Coinsurance)
Emergency Reunion $50,000 Lifetime Maximum
Political Evacuation $10,000 Lifetime Maximum
Terrorism $50,000 Maximum Lifetime Limit
Accidental Death and Dismemberment $25,000 per Participant
Incidental Home Country Coverage up to 14 days
Travel Assistance 24-hour Worldwide Assistance
How To Set-up Your MYIMG Account

MyIMG

Service at your fingertips anytime, anywhere - that’s what MyIMG provides. MyIMG is our proprietary online service that allows you to access information and manage your IMG accounts, 24 hours a day, seven days a week, from anywhere in the world. Our service centers in the U.S. and Europe are always available to help or handle emergencies 24 hours a day, but through MyIMG you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:

·         Get explanation of benefits Initiate precertification

·         Obtain certificate documents

·         Locate a provider

·         Recommend a provider/facility

·         Request or print ID cards

If you have not already set-up an account, please go to https://myimg.imglobal.com/unauth/homepage.aspx and click on the
Don't have an account? Get one now

You will need to put in your Health Insurance ID Number and Date of Birth to set-up an account.  If you do not have your Health Insurance ID Number, please contact our office at 703-660-9062.

 

Important Insurance Terms

What is a Deductible?
For a covered medical expense, the deductible is the portion of your medical bill that is your responsibility.  The deductible will first be subtracted from the total medical bill and you will need to pay this portion directly to the doctor or hospital. 

The deductible is “per accident or illness,” not per visit to the doctor.  This means if you have to go to the doctor more than once for the same illness, you will only need to pay the deductible one time for that illness. 

Your deductible is $50 per accident or illness for PPO and Student Health Center visits.  If using a provider outside the PPO network, the deductible is $100 per Injury or Illness.  The Emergency Room deductible is $250 per ER visit.

What is Co-insurance?
Coinsurance is the term used by health insurance companies to refer to the amount that you are required to pay for a medical claim, apart from the deductible. Coinsurance will be waived if Eligible Expenses are incurred within the PPO Network or at a Student Health Center.

However, if you choose to use a provider outside the PPO Network or Student Health Center, the Plan will pay 80% (you will pay 20%) of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Certificate Period Maximum.

How do I Pay for My Prescriptions?
Your Plan includes a Prescription Drug (Rx) Benefit through Universal Rx.  Please use your Universal Rx card when visiting the pharmacy. 

There is a co-payment of $15 for Generic Prescriptions and a co-payment of $30 for Brand Prescriptions per 31 days’ supply.  A co-payment is the amount you pay out of pocket.

Important Information: Universal Rx Pharmacy Help Desk: 1-800-788-2910 -or- www.universalrx.com. Click here for more information.


What is a pre-existing condition?

Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the twelve (12) months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising there from.

Charges resulting directly or indirectly from any Pre-existing Condition, as herein defined, are excluded from this insurance during the first six (6) months of coverage.  However, after an Insured Participant has maintained six (6) months of continuous and uninterrupted coverage, Pre-existing Conditions are covered as any other condition. 

What is Precertification?
Precertification is a requirement under your certificate for certain medical services.  You must call to be pre-certified for any of the following conditions: any treatment requiring hospitalization, outpatient surgery, CAT scans, MRI’s, within 48-hours after an emergency admission to the hospital, care in an extended care facility, home nursing care, and durable medical equipment.  During the precertification process, medical professionals review the planned medical services against standard medical criteria to ensure that the services are within accepted medical standards and are medically necessary.  Precertification may be initiated by you, your representative or your medical provider.  This can be done through
MyIMG, through the Client Resources page of www.IMGLOBAL.com or by calling IMG at 1.800.628.4664 (within the U.S.) or 1.317.655.4500.  Most U.S. hospitals and physicians are familiar with the precertification process and will make the phone call for you, though they are not required to do this.  You are responsible for ensuring the precertification process is done five days before you are hospitalized or within 48 hours of an accident or emergency illness.

What is a Reasonable & Customary charge?
Reasonable and Customary charge is the amount normally charged by medical service providers for similar services and supplies in your area of living.

What is Home Country Coverage?
Your plan will extend coverage to you in your home country for up to 14 days.  Your home country is the country in which you permanently reside.

What is Medical Evacuation?
Medical Evacuation means transferring the insured person to the nearest hospital or medical facility in case of an emergency injury or sickness or back to his/her home country. It can be done by any necessary means of transportation.

What is Repatriation?
In case of death, the Repatriation benefit covers the transportation of your remains back to your family and your home country.

Are Injuries from Sports Covered?
Recreational sports are covered through the regular medical coverage.  If you are a member of an intercollegiate, interscholastic, intramural or club sports, there is $5000 maximum coverage on your policy for injuries sustained while participating in a team sports.  Additional coverage may be available through the Athletic Department for some sports.

Is there Dental Coverage?
There is limited coverage for dental pain and injury to natural teeth on your policy.

Relief of sudden and unexpected pain to sound, natural teeth, including but not limited to fillings will be covered up to $350 maximum.  Injury due to an accident will be covered up to $500 per Accident maximum. 

Do I need a referral to go to a Specialist?
A doctor’s referral typically is not required.  If you have a special medical condition, we recommend that you check with the Claims Office 1-800-628-4664, prior to making an appointment with a Specialist.

Where Can I Find a Doctor or Hospital?

What are the Provider Networks?
When contacting a doctor or hospital, please be sure to let them know that you are in the First Health and United Health Care PPO Networks. 

First Health PPO Network     UnitedHealthCare International PPO Network Searc

How do I search for a local doctor or hospital?
To search for a medical care provider within the independent Preferred Provider Organization network, please go to:  

First Health:  http://www.providerlookuponline.com/coventry/po7/Search.aspx  

United Health Care:  https://www.myuhc.com/groups/login.do?viewClassic=true

Click Here to download a list of Primary Care Doctors within 5 miles of Campus
How To File A Claim

Where do I find my Insurance ID Number?
Your ID Number is located on your Insurance Card.

What do I do if I lose my ID Card?
Please contact VISIT at 1-800-247-5575 or by email at info@visitinsurance.com.  Be sure to let us know that you are in the Furman University program.


Do I need to go to a specific doctor or hospital if I need medical attention?


If an emergency: 
• Go directly to the hospital, or call 911 for emergency response
• Call the 24-hour assistance service center at the number listed on your ID card to alert the center of your situation.
1-866-799-8270/ 1-317-927-6896.

Precertification: 

Precertification is a requirement under your certificate for certain medical services.  You must call to be pre-certified for any of the following conditions: any treatment requiring hospitalization, outpatient surgery, CAT scans, MRI’s, within 48-hours after an emergency admission to the hospital, care in an extended care facility, home nursing care, and durable medical equipment.  During the precertification process, medical professionals review the planned medical services against standard medical criteria to ensure that the services are within accepted medical standards and are medically necessary.  Precertification may be initiated by you, your representative or your medical provider.  This can be done through MyIMG, through the Client Resources page of www.IMGLOBAL.com or by calling IMG at 1.800.628.4664 (within the U.S.) or 1.317.655.4500.  Most U.S. hospitals and physicians are familiar with the precertification process and will make the phone call for you, though they are not required to do this.  You are responsible for ensuring the precertification process is done five days before you are hospitalized or within 48 hours of an accident or emergency illness
.

Click here to submit a Precertification online

Do I Need To Submit A Claim Form?

NEW  ONLINE CLAIM SUBMISSION PROCESS

International Medical Group® (IMG®) is excited to inform you that new enhancements to our online member portal, MyIMGSM, make claims submission and management easier than ever.

To get started submitting a claim or an appeal online, members can log on to MyIMG (myimg.imglobal.com), click the icon or arrow next to the action they wish to take, select the relevant certificate and submit the necessary information.

To watch a video tutorial of MyIMG, click here

Once a claim is submitted and when a claim is adjudicated, an email will be sent to the insured member. Similarly, the insured member will receive an email if an appeal is submitted.

You may also submit a claim by Fax or Email by using the Claim Form below.  For faster service on your claim, we suggest that you use the ONLINE system above to submit your claim.

Click here to download a CLAIM FORM

Where do I send my Claim Form?

Mail
International Medical Group, Inc.
Claims Department
PO BOX 88500
Indianapolis, IN  46208-0500 USA

Phone: 1-800-628-4664
Fax:
1.317.655.4505
Email: insurance@imglobal.com
 

Important Contact Information


To a Report a Claim, Verify Eligibility or Check on the Status of a Claim Contact:

International Medical Group, Inc.
Claims Department
PO BOX 88500
Indianapolis, IN  46208-0500 USA

Phone: 1-800-628-4664
Fax:
1.317.655.4505
Email: insurance@imglobal.com

24-Hour Worldwide Assistance Services:  1-866-799-8270/ 1-317-927-6896

General Questions, Contact Your Agent:

VISIT International Health Insurance
1-800 -247-5575 / Fax (703) 991-916
4
info@visitinsurance.com
Monday - Friday, 9:00 a.m. - 6:00 p.m. EST
Representatives are also available by Email on weekends and evenings on a limited basis.
PO Box 210
Mount Vernon, VA 22121


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VISIT® International Health Insurance Program, an Insurance program of PENTECO, LLC
www.visitinsurance.com
Correspondence: P.O. Box 210, Mount Vernon, VA  22121 (703) 660-9062/ (800) 247-5575/ (703) 991-9164 fax
email:
 info@visitinsurance.com

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