Patriot Exchange Program - Basic

Plan Detail

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

Description


Eligibility

To be eligible to apply to the Patriot Exchange Program plan, you must:

Enrollment Process

Before you begin your travel, simply apply online or fill out the application and calculate the estimated premium for the time period you, your group, and/or your dependents will be traveling. Once you have completed the application, return it to your insurance agent and/or IMG.

Eligible individuals listed on the application and for whom premiums have been paid will be covered from the latest of the following dates:

Fulfillment Kits

IMG processes applications in a quick, timely manner. Once processing is complete, IMG will mail and/or email the fulfillment kit(s) to the address/email listed in the application. The fulfillment kit(s) will include an IMG identification card(s), and the insurance certificate providing a complete description of the rights and benefits under the contract. For your convenience, we will you this information and may also access it from the IMG website.

If you do not choose online fulfillment, IMG will mail your fulfillment materials. This may cause delays. We recommend online fulfillment for immediate access to your coverage information.

Conditions of Coverage

1) Coverage and benefits are subject to the deductible, limits and coinsurance, and all terms of the certificate of insurance and master policy and all governing documents, as summarized in the certificate of insurance. 2) Coverage under a Patriot Exchange Program plan is secondary to any other coverage. 3) Coverage and benefits are for eligible medical expenses which are medically necessary and usual, reasonable and customary. 4) Charges must be administered or ordered by a licensed physician. 5) Charges must be incurred during the period of coverage.

MyIMGSM

MyIMG is a proprietary online service located at imglobal.com/member that allows you to manage your IMG accounts, 24 hours a day, seven days a week, from anywhere in the world. Some features include:

Locating a Provider

You may seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you have access to the Preferred Provider Organizations (PPO), which are separately organized networks of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the U.S., IMG provides its online International Provider AccessSM (IPA), a database of over 17,000 providers.

Universal Rx Pharmacy Discount Savings

This discount savings program allows you to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) universal Rx contract price or 2) the pharmacy regular retail price. This program is not insurance coverage; it is purely a discount program.

Akeso Care Management® (AkesoCareSM)

The ability to access quality health care is of paramount importance when a medical emergency arises abroad. To coordinate care and provide U.S. and internationally based medical management services, IMG formed AkesoCare, a URAC accredited, onsite specialized division devoted entirely to medical management. AkesoCare’s clinical members are experts at assessing the need for services and ensuring those services are delivered in a timely, cost-effective manner.

From routine medical care to complex case management, from check-ups to emergency medical evacuations, AkesoCare is there for you. They are committed to patient protection and empowerment, quality operations and provider compliance. This translates into better care for you - around the world, around the clock.

  1. The date IMG approves your completed application and receives the appropriate premium
  2. The date you depart from your country of residence
  3. The date requested on your application
    • Submission and management of claims
    • Access to Explanation of Benefits (EOBs)
    • Initiate precertification
    • Access customer care via live chat, email or telephone
    • Locate and recommend a provider/ facility
    • Obtain ID cards and other insurance documents