Steps on how to use your health insurance
Welcome to IMG Global Insurance!
LifeTRAVELED has chosen this insurance policy for you.
Your new medical insurance ID card has been sent to you via email.
IMPORTANT! PLEASE READ THIS INFORMATION BELOW TO HELP YOU UNDERSTAND HOW TO USE YOUR MEDICAL INSURANCE.
ALWAYS CARRY YOUR MEDICAL INSURANCE ID CARD WITH YOU and present it to the
Your Insurance ID card:
- proves that you have health insurance.
- contains information that providers, urgent care and hospitals will use to get paid by your insurance company.
- provides contact information for IMG Global Insurance Customer Care in case you have questions.
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.
You should review your brochure for your plan’s benefits and limitations. Deductibles, copayments, and exclusions etc. See below for descriptions of deductible, coinsurance and copayments.
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 email@example.com or +1.800.628.4664.
MyIMG is our convenient online portal where you can:
- Submit bills and manage claims
- Access Explanation of Benefits (EOBs)
- Obtain ID cards and other insurance documents
- Access Customer Care via Live Chat, email or telephone
- Locate a provider/facility/urgent care
Set up your account at www.imglobal.com/myimg by creating a username and password. You will need your ID number and date of birth.
For more information about MyIMG: MyIMG Video
Teladoc/Telemedicine – $0 Deductible
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 as you would be using an Urgent Care/Doctor’s office and Emergency Room.
First, you will need to create a profile on the Teladoc/Telemedicine web site or the app.
Always use zip code 46208 when creating your profile.
Emergency room care and certain tests of a more serious nature such as MRI’s and CAT scans, will need to be approved within 48 hours of your treatment to be sure they are covered.
- Inpatient Hospitalization
- Surgery or Surgical procedure
- Extended Care Facility
- Interfacility Ambulance Transfer
- Home Nursing Care
- Radiation Therapy
What’s a Provider Network and the importance of it?
Find out more about “in network” and “out of Network” coverage. UnitedHealthcare is your in-network provider. UnitedHealthcare Provider Link: https://us1.welcometouhc.com/
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 network provider.
URGENT CARE – $50 co-payment
You can choose to go to an urgent care center. These centers can treat some serious injuries and illnesses 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. UnitedHealthcare provider search to find an Urgent Care location.
If you are having a life-threatening medical emergency, call 911 or go to the local hospitals’ emergency room. You may be subject to your deductible an emergency room copayment if utilize an emergency room visit. Please review your brochure for details. UnitedHealthcare provider search
How do I find an urgent care, doctor, specialist or hospital?
- Find an urgent care location, doctor, specialist or hospital
- Search the Network: Options PPO
- Choose your location – city and zip code
- Find Health Care by Category – doctor, medical group, hospital, urgent care, specialist, office visits, labs etc.
Submitting a Claim – Find out how to complete a Claim Form, how to file your insurance claim, and find copies of the Claim Form and Accident Questionnaire.
- Claim Form & Accident Questionnaire
- How to file an Insurance Claim
- 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:
- Claim form
- The provider’s Tax ID number
- Procedure/diagnosis codes
- Providers name and address
- Proof of payment
- HCFA or 1500 Form from the provider’s office
UnitedHealthcare Provider Link: https://us1.welcometouhc.com/
GoodRX – 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.
When you have your prescriptions filled. Please remember to keep the receipts, copy of the prescription and how you paid for that prescription to submit for reimbursement from IMG.