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.

IMG Privacy Policy - www.imglobal.com/legal/privacy-policy 

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 $100 per accident or illness for PPO and Student Health Center visits.  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 Discount Prescription Drug (Rx) Benefit through Universal Rx.  Please use your Universal Rx card when visiting the pharmacy. 
Important Information: Universal Rx Pharmacy Help Desk: 1-800-742-0504 or www.imgpoc.com

What is a pre-existing condition?
Charges resulting directly or indirectly from or relating to any Pre-existing Condition that existed within thirty-six (36) months prior to the Effective Date are excluded until the Insured Person has maintained twelve (12) months of continuous coverage under this insurance.

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 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.

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

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