University of Maryland Eastern Shore (UMES)

International Medical Insurance Coverage

2025-2026

The UMES Plan is a Group Health Insurance Plan for International Students.
Enrollment is handled by UMES and you are billed through your student account. If you have any questions about enrollment, please contact the UMES or VISIT Insurance at
umes@visitinsurance.com or 1-703-660-9062.

The information below is an overview of your policy information. Your ID card and full policy details can be found in your online student portal. Please contact us should you have any questions.

BENEFIT SUMMARY

COVERAGES

Medical Maximums per Injury or Illness

Lifetime Maximum

COVID-19

TeleHealth

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.

Deductible – Emergency Room
(applies only to Emergency Room visits)

Copayments

COINSURANCE

Pre-existing Conditions

Hospital Room and Board

Local Ambulance

Intensive Care Unit

Outpatient Treatment

Mental Health Disorders

Prescription Drugs

Physical Therapy

Intercollegiate, Interscholastic or club sports

Adventure Sports/Hazardous Sports

Dental Treatment due to Accident to sound teeth

Dental Treatment to alleviate pain

Emergency Medical Evacuation
(not subject to Deductible or Coinsurance)

Repatriation of Remains
(not subject to Deductible or Coinsurance)

Emergency Reunion
(not subject to Deductible or Coinsurance)

Political Evacuation

Terrorism

Accidental Death and Dismemberment
(not subject to Deductible or Coinsurance)

Incidental Home Country Coverage

Travel Assistance

Please log into your BCBS Portal to download your policy documents

BENEFITS

$1,000,000

COVID-19, the disease caused by the novel coronavirus, generally WILL be covered as would any other illness, including testing and treatment up to the policy limit. For testing to be covered by the Insurance, you must be symptomatic. Please be sure your Doctor’s Office submits your test as a SICK visit. If the test is submitted as a Preventive Care visit the claim will be denied.

Included as a doctor visit.

Subject to $100 per visit copay and 90% Coinsurance.

Urgent Care - $35
Physicians Visit - $20

Hospital and Physician Outpatient Services: $50

Inpatient Hospital Services: $50
MRI/Cat Scan - $200

*Coinsurance may apply

After You pay the Deductible, Preferred Providers are payable at 90% of Preferred Allowance and Out of Network benefits are payable at 70% of Usual and Customary charges.

No waiting period

90% of Allowed Amount after a $50 Copayment per visit.

Pre-certification required

See policy details

90% of Allowed Amount

90% of Allowed Amount after a $50 Copayment per visit.

Inpatient Mental or Nervous / Substance Abuse
• Maximum Limit: $10,000 (30 Day Max)
• Not covered if incurred at the Student Health Center

Outpatient Mental and Nervous / Substance Abuse
• Maximum Limit: $1,000

30 visit Max.

Generic: $10 copayment

Brand Name: $20 copayment

Injectables: $20 copayment

20 visits per Coverage Year

$25,000 Maximum per coverage Year.

no coverage - additional coverage can be purchased through VISIT Insurance.

$500 Maximum per Certificate Period, No Maximum per Tooth

No coverage

$100,000

$50,000 Maximum

$1,500 Lifetime Maximum

No coverage

no coverage

$10,000 per Participant

No coverage

24-Hour Worldwide Assistance Services:

BCBS Member Portal

COVID-19 Coverage

COVID-19, the disease caused by the novel coronavirus, generally WILL be covered as would any other illness under the Mountbatten Health Insurance policy, including testing and treatment up to the policy limit.

COVID-19 TESTING - COVID-19 Testing is only covered if you are symptomatic. The test will not be covered for travel or non-illness related testing. Your doctor must submit the COVID-19 test as a “sick visit” and provide the medical records when submitting your claim. You should also submit a Patient Claim Form through Student Portal explaining your symptoms.
COVID-19 VACCINES - Vaccines are currently being offered for FREE at most facilities. An administrative fee may apply. The COVID-19 vaccine is NOT covered on your Mountbatten Health Insurance Patriot Exchange Plan.
COVID-19 TREATMENT - If you test positive for COVID-19, your medical expense will be covered by the UnitedHealthcare Plan up to the policy maximum of $250,000.

If you are experiencing symptoms related to COVID-19, it is important that you first contact your doctor or urgent care facility by phone to review the proper protocol to receive a test and treatment for COVID-19. Be sure to follow the current CDC Guidelines.

When going to the doctor, please be sure to take your UnitedHealthcare Insurance card

How to Set-up Your BCBS Account

BCBS Online Account

Get explanation of benefits
Initiate precertification
Obtain certificate documents
Locate a provider
Recommend a provider/facility
Request or print ID cards
Submit a Claim online
Check the status of a Claim

Don't have an account? Create an account

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

Your deductible is $0. The Emergency Room deductible is $100 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. Your plan pays 90% of Eligible Medical Expenses subject to Usual, Reasonable and Customary charges.

Charges above Usual, Reasonable and Customary will be your responsibility. You are strongly encouraged to utilize the independent Preferred Provider Organization (PPO) network to avoid being responsible for medical expenses over and above Usual, Reasonable and Customary.

How do I Pay for My Prescriptions?
Be sure to show your BCBS ID card when going to the pharmacy.

What is a pre-existing condition?
No waiting period on pre-existing conditions.

Definition of Pre-existing Condition as defined by the Certificate:

“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 three (3) years 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 therefrom.”

What is Precertification?
Precertification is a requirement under your certificate for certain medical services. Pre-certification is a general determination of medical necessity only, not an assurance of coverage, verification of benefits or a guarantee of payment.

The following must always be precertified for medical necessity before admission or receiving the treatments and/or supplies:

Any treatment requiring inpatient hospitalization
Surgery or surgical procedure, including outpatient surgery
CAT scans or MRI's
Care in an extended care facility
Home nursing care
Chemotherapy
Radiation Therapy
Interfacility Ambulance Transfer

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.

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 after an emergency admission to the hospital.

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 only are covered through the regular medical coverage. Should you need coverage for Hazardous/Adventure Sports Click Here to order the EXPLORER Plan, please be sure to include the Adventure Sports Rider when purchasing. When purchasing coverage, please be sure that your particular sport is covered.

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

Injury due to an accident will be covered up to $500 per Accident maximum.

If you need additional Dental coverage, please review the optional DENTAL PLANS.

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 844 268 2686 prior to making an appointment with a Specialist.

Where Can I Find a Doctor or Hospital?

What are the Provider Networks?
A provider network is a list of the doctors, other health care providers, and hospitals that a plan contracts with to provide medical care to its members. These providers are called “network providers” or “in-network providers.” A provider that isn't contracted with the plan is called an “out-of-network provider.”

How do I search for a local doctor or hospital?

You are strongly encouraged to search for doctors or hospitals that utilize the BCBS (PPO) network. Refer to 'Where Can I Find a Doctor or Hospital?' for details. You can use the Blue National Doctor and Hospital Finder to locate providers within the U.S., Puerto Rico and the U.S. Virgin Islands.

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 1-703-660-9062 or by email at umes@visitinsurance.com. Be sure to let us know that you are in the Signature Services program. You can also print your ID Card by going to your BCBS Online Account.

Do I need to go to a specific doctor or hospital if I need medical attention?
You can use the Blue National Doctor and Hospital Finder to locate providers within the U.S., Puerto Rico and the U.S. Virgin Islands.

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. 1-317-655-4500.

Precertification
Precertification is a requirement under your certificate for certain medical services. Pre-certification is a general determination of medical necessity only, not an assurance of coverage, verification of benefits or a guarantee of payment.

The following must always be precertified for medical necessity before admission or receiving the treatments and/or supplies:

Any treatment requiring inpatient hospitalization
Surgery or surgical procedure, including outpatient surgery
CAT scans or MRI's
Care in an extended care facility
Home nursing care
Chemotherapy
Radiation Therapy
Interfacility Ambulance Transfer

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.

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 after an emergency admission to the hospital.

Do I Need To Submit A Claim Form?

For most claims the doctor’s office or hospital will file the claim directly with the BCBS. Be sure to always provide a copy of your BCBS Insurance ID card to the doctor’s office or hospital to be sure the bill is filed correctly. Hospitals or Physicians: file claims with local Blue Cross and Blue Shield Plan.

If you have paid out of pocket for a claim and need to submit the receipts for a reimbursement, the fastest way to submit the claim is through your online portal.

Eclaims Can Be Accessed Through the Geoblue® Mobile App and in the Member Hub on www.geobluestudents.com

Members will follow a step-by-step submission process in order to file a claim and to upload and store supporting documents
Each step of the submission process has tips that assist users in entering valid information
After your first claim submission, your contact information and bank details will automatically pre-fill
Members can check their claim status online at any time

If Necessary, Claims Can Still Be Submitted via Email, Fax or Postal Mail. A Printable Claim Form Is Also Available in the Member Hub

Email: claims@geo-blue.com
Fax: +1-610-482-9623
Postal Mail: Claims incurred INSIDE the U.S., Puerto Rico and U.S. Virgin Islands
GeoBlue, Attn: Claims, P.O. Box 21974 Eagan, MN 55121
Claims incurred OUTSIDE the U.S., Puerto Rico and U.S. Virgin Islands
GeoBlue, Attn: Claims Department, P.O. Box 1748, Southeastern, PA 19399-1748, USA

DOCTOR CLAIM FORMS can be filed electronically to BCBS or mailed to:

Blue Cross Blue Shield Global Solutions

P.O. Box 21974
Eagan, MN 55121
Phone: 844 268 2686

Hospitals or Physicians: file claims with local Blue Cross and Blue Shield Plan.

Where do I send my Claim Form?

Member Claims: Please mail claims to

Blue Cross Blue Shield Global Solutions,

P.O. Box 21974
Eagan, MN 55121
Phone: 844 268 2686

How do I check the status of a claim?

Log into your online Portal and check the Claims tab for updates
Call 844 268 2686
Email the Claims Office at claims@geo-blue.com to request an update on your claim. Be sure to include your full name, your BCBS ID Number from your health insurance ID card and the date of the doctor's visit that you are requesting an update.

What do I do if the claim is showing as PENDING?
If your Claim is showing as PENDING, please be sure to check the status of the claim on your BCBS Online Account Account to see what information is needed to finalize your claim.

There is no record of my claim
Contact your doctor's office and ask them to submit the claim to IMG. If they say they have already submitted the claim, be sure to verify the address they sent the claim to and the date it was sent. Email this information to customercare@imglobal.com and ask the Claims Office to research their records to see if the claim is in their system. If the Claims Office is unable to locate the claim, please contact your doctor's office and ask them to resubmit the claim. Claims can be mailed to:

Member Claims: Please mail claims to

Blue Cross Blue Shield Global Solutions,

P.O. Box 21974
Eagan, MN 55121
844 268 2686

Patient to submit a completed IMG Claim Form
You must complete a PATIENT BCBS Claim Form to process your claim. This form can be completed online through your BCBS Online Account Account or you can download the BCBS Claim Form and mail it or fax it to the claims office.
Charges pending receipt of medical records requested from provider
To process your claim, your doctor must provide the medical records to BCBS for your treatment. Please contact your doctor's office and ask them to submit your medical records to the BCBS. Medical records can be mailed to:

Member Claims: Please mail claims to

Blue Cross Blue Shield Global Solutions,

P.O. Box 21974
Eagan, MN 55121

Your file has been closed due to a lack of response
This means that additional information has been requested but the Claims Office has not received the information. The file can be reopened once the information is received.
In order to process these charges, please submit on a HCFA/UB Form Indicating Standardized procedure (CPT) and Diagnosis (ICD) codes.
These forms are standard forms that doctors use to file a claim with an insurance company. Your doctor should have these forms available. If they are not sure what to file or have questions, please have the them call BCBS at 844 268 2686.

How long do I have to file a claim?

Your BCBS PATIENT Claim Form must be submitted to the BCBS Claims Office within 90 days of your visit to the doctor, urgent care, emergency room and/or hospital. You and your doctor, hospital and other healthcare and medical service providers and suppliers shall have one hundred eighty (180) days from the date a claim is incurred to submit a complete Proof of Claim, medical records and any additional information needed to process your claim.

How to Pay for My Prescription?

Prescription/Pharmacy Information
Pharmacy Help Desk 800 788 2910

Important Contact Numbers

Plan Administrator: Blue Cross Blue Shield Global SolutionsSM

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

Medical Claims incurred Inside the U.S., Puerto Rico, and U.S. Virgin Islands
Hospitals or Physicians: file claims with local
Blue Cross and Blue Shield Plan

Provider Claim Questions:
844 268 2686 / +1 484 218 4189

Member Claims: Please mail claims to

Blue Cross Blue Shield Global Solutions,

P.O. Box 21974
Eagan, MN 55121

Preferred Provider Network: BCBS

Agent: VISIT® International Health Insurance
For answers to General Questions, ID card replacement, General Claims Questions contact your Agent:

VISIT® International Health Insurance
Email: umes@visitinsurance.com
Phone: 1-703-660-9062 Fax: 1-703-991-9164
Office Hours: Monday – Friday, 9am to 6pm USA Eastern Time
Member Services 24/7 Assistance: 844 268 2686
After Hours: Please contact us by email at umes@visitinsurance.com

Underwriter: Blue Cross Blue Shield Global SolutionsSM is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association