Always carry your medical insurance ID card
with you and present it to the medical provider
when receiving treatment.
Your Insurance ID card:
Providers’ offices will usually make a copy of your
insurance card the first time they see you as a
patient and they might ask for your ID or other
proof of identification as well.
There are some links throughout this page with information about how to use your insurance effectively. If you have any questions or need additional
information about your coverage or account, please contact Customer Care at firstname.lastname@example.org or +1.800.628.4664.
MyIMG is our convenient online portal where
In-Network vs. Out-of-Network
IMG uses the UnitedHealthcare network. If you use an in-network UnitedHealthcare provider, your out-of-pocket expenses will less than using a medical provider not in the UnitedHealth Care network. If you see a provider out of network, you will be subject to
additional costs. When you receive healthcare services from providers that are in your insurance network, your out-of-pocket costs are typically lower than they would be if you received care from an out of
Find out more about “in network” and “out of Network” coverage. UnitedHealthcare is your in-network provider.
If you need medical treatment during your program telehealth/telemedicine and Convenience/Urgent Care Clinics options below are the lowest out of pocket cost to you:
For common illnesses and/or minor injuries, your policy has a Teladoc/Telemedicine benefit.
Teladoc/Telemedicine visits are NOT subject to a deductible payment.
Always utilize Teladoc/Telemedicine first. This provides remote doctor visits. It allows patients to connect with healthcare providers remotely, either through video conferencing or through phone calls, to receive medical care without having to be in the same physical location. Telemedicine can be used for a variety of medical services, including consultations, diagnoses, and treatment plans. It is especially useful in situations where a patient may not be able to physically visit a healthcare facility,
such as during the COVID-19, earache, flu, sore throat or when a patient lives in a rural area. There is no cost to you for using Teladoc/Telemedicine. You are not subject to your deductible.
First, you will need to create a profile on the Teladoc/Telemedicine web site or the app. Always use zip code 46208 when creating
You can choose to go to an urgent care center. These centers can treat most illnesses and some injuries and typically, you will not wait as long you would at the hospital. At urgent care centers, you can go there to get stitches for a bad cut or injuries that require immediate attention. Some urgent cares will take x-rays for if needed.
To find a UnitedHealthcare network urgent
care visit – https://us1.welcometouhc.com
If you don’t seek treatment by telehealth/Teladoc or at an in-network IMG UnitedHealthcare urgent care clinic your out
of pocket expenses will be higher. Please
review your brochure and policy certificate for details of your deductible, co-insurance, co-payments and exclusions for each medical visit with a specialist, doctor or hospital.
To find an in-network doctor, specialist or hospital visit — https://us1.welcometouhc.com
Submitting a Claim for reimbursement:
If you have paid out of pocket for your
services, you need to submit an itemized bill
for reimbursement. The following is needed:
Take advantage of the app that helps you find the lowest cost prescription drugs in your area. Mobile app that provides users with discounts at pharmacies in your area. It allows you to compare prices for different medications and
find coupons and discounts that can lower the cost of a prescription. GoodRX offers a pharmacy card that you can present at participating pharmacies. GoodRX is not a pharmacy.
The deductible is the amount of money that you must pay prior to receiving benefits or coverage under this insurance. After you pay your deductible, the rest of your medical care is covered for the remainder of that term unless your plan includes a copayment or coinsurance. Please reference your brochure for details
Copay, which is a flat fee you pay anytime you are provided certain types of health care services. $50 copay for Urgent Care visits.
Coinsurance is the percentage of your medical costs that you must pay after reaching your deductible. When you incur health care costs from a medical provider/procedure, you must pay out of pocket until you spend a certain amount, known as your deductible. Once you’ve paid your deductible, your insurance company starts splitting the cost of future care, based on a set percentage of the costs. The percentage that you pay is your coinsurance (10%). IMG will pay 90% of your coinsurance and you will pay 10%.
Coinsurance is different from a copay, which is a flat fee you pay anytime you get certain types of health care services.
As an example, let’s say you go to the hospital and get a bill of $4,000 to have a minor surgery. You’ll need to pay your $350.00 per injury/per illness deductible, then, the 10% co insurance for that surgery.
The balance after the deductible is $3,650.00. You will need to pay 10% of that before the insurance company pays. 10% of that is $365.00 that you will owe to the provider.
You are covered for COVID-19 (COVID-19), the same as any other illness; as long as it is not a pre-existing condition. In other words, it wasn’t contracted before your coverage start date and does not fall within any other exclusion or limitations of the insurance policy. You will want to make sure you seek immediate care, if you exhibit any of the COVID symptoms. If you are not experiencing symptoms and are having a preventative COVID test, your test will not be covered by your insurance. When you visit the COVID test center, you should mention that you are experiencing symptoms for the test to be covered by insurance.