Plan Detail

Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

• Plan best suited - Non-US students studying in USA.
• Ages - 12 years to 65 years.
• Coverage length - Minimum 1 month and Maximum up to 1 year.
• ID card - Apply online and get ID card by email.
• Renew - Renew online, by phone, by email, by fax.

Claims Status, Eligibility Verification and Coverage Questions

Find a provider at our website at https://www.trawickinternational.com/resources/find-a-healthcare-provider and type in the zip code for your area.

• Provide the hospital or doctor with a copy of your ID card so they can bill us for the services provided to you. This shows your member ID and how to find you in our system to verify benefits. Failure to give the correct information to the provider could result in bills getting sent to you, instead of the insurance company.
• In most cases, you are only required to pay your deductible and the cost for any services which may not be covered under your Policy. However, if you are required to pay for services in full, then you will need to provide the necessary documentation for reimbursement: a) Signed medical statement which includes medical coding for service performed by the service provider; b) Proof of payment (receipts) and c) Copy of your ID card. If you get a bill from a provider call them to make sure they have your insurance information. Failure to contact them with your information will delay the processing of your claim and could result in you being solely responsible for the charges.
• All claims, regardless of submission date, must be received in our office within 90 days of treatment or they will be denied. Initial treatment must occur within 90 days of the Accident or Sickness.
• Once a claim has been reviewed, additional documentation may be required for processing. This request will be made in writing to the address on file or via email. Please make sure your mailing address and email address are current.
• Your Insurance ID is the number beginning with 999...
• After a claim has been processed you and the provider will receive an explanation of benefits (EOB). Claim status and downloadable EOB’s are available online through the Trawick website. The EOB has a claim number, date of service, paid date, amount paid, amount applied to your deductible and an explanation as to why/how the claim was processed. The EOB will also state if you owe the provider anything for the service. If there is a reimbursement to you, a check or direct deposit to your account will be noted on the EOB. If you get a bill from a provider and do not get an EOB from us within 60 days, please contact us at the number above for claim status.
• If a claim is denied you will receive a written explanation on the EOB. If you feel the decision is wrong, you have the right to appeal the decision. You can get an appeal form by calling the claim office at 877-916-7920.

Payment of loss under this Policy shall only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to sanctions, laws and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). This is a brief description of coverage provided under this short term limited benefit group policy number SS14-10928 and SS15-10929 and is subject to the terms, conditions, limitations and exclusions of the policy.

Our privacy policy: we know your privacy is important to you. We strive to protect the confidentiality of your non-public personal information. We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law including hippa. We believe we maintain appropriate physical, electronic and procedural safeguards to ensure the security of your non-public personal information.