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| GLOBAL MEDICAL INSURANCEsm Claims Information |
CLAIMS PROCEDURE Once approved for Global Medical Insurancesm you will receive a fulfillment kit that includes an IMGsm identification card and Claim Forms. When you receive treatment, original itemized bills must be received by IMG within 90 days of services. Eligible itemized bills submitted to IMG will be automatically converted from local currencies. If you are filing an overseas claim, please remember to include the Overseas Benefit Form with the Claim Form and other necessary documentation that you forward to IMG. CLAIM FILING ALTERNATIVES Direct Payment to Providers In many cases IMG works directly with the hospital or clinic, including those outside our PPO, for payment of eligible medical expenses. To file a claim, complete the Claim Form and submit it with original itemized bills. In this case, you will be responsible for your deductible, coinsurance amounts and non-eligible expenses. Reimbursement If you have received treatment and need to be reimbursed for out-of-pocket medical expenses, complete the Claim Form and submit your original itemized bills and paid receipts within 90 days. We will reimburse your eligible medical expenses after applying the deductible and coinsurance. Please remember to submit your bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year. Coverage is free for two children aged 9 or younger when both parents are covered under the plan.
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