American Immigration Council | Seeking Treatment

If you need to seek medical care, here is some helpful advice and guidance:

Find a Doctor/Hospital

You can search for providers online, or call the number on the back of your insurance ID card to locate a provider closest to you.

Remember — Only use the Emergency Room (ER) in emergency situations. Urgent Care Centers and Walk-In clinics are often the best places to seek medical care quickly and you will pay less out-of-pocket.

Insurance ID Card

Make sure you have a copy of your insurance ID card on you when you visit the provider and present this to them at the time of treatment.

If you need a copy of your insurance ID card, visit MyDocuments to download it.


The cost of telemedicine visits are only covered under your plan as long as the treatment is for a covered benefit, and not excluded by any of the plan exclusions and limitations.

Telemedicine is becoming a popular way to seek non-emergency medical care, as you can do this from the comfort of your own home. While your insurance plan DOES NOT directly cover the costs of these visits and they cannot be billed directly to your insurance plan, you can pay for these services out of your own pocket and then submit a claim to be reimbursed for the consultation and any prescribed medications.

A few options you can try are:


There are a number of services that require pre-certification, such as a surgery, emergency evacuation, emergency reunion and any hospital admissions. Please see your certificate for full details and make sure to call the number on your insurance ID card within 48 hours or as soon as possible or there will be a reduction in benefits.

Claims Follow Up

It is your responsibility to follow up with the claims team and make sure your claims are processed and paid!

Please follow these guidelines:

  • Complete a claim form for each new condition and submit it to the claims team via email.
  • Track all claims online, or by calling the number on your insurance ID card.
  • Medical records or other documents may be needed in order to process your claim. If this is the case, it is your responsibility to reach out to your doctor to ask that they submit these records to the insurance company on your behalf.

Seeking Treatment

Quick Reference Guide

Please download our quick reference overview PDF to help you understand and learn the steps you need to seek medical care and make sure your claims are correctly processed and paid.

Student Zone

Learn more about using and managing your international insurance plan:

Medical & Travel Assistance:

USA Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806