If you need to seek medical care, here is some helpful advice and guidance:
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.
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.
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.
It is your responsibility to follow up with the claims team and make sure your claims are processed and paid!
We recommend you complete a claim form for each new visit and submit that to the claims team via email to speed up the processing of any claims. You can download claim forms from the claims center.
You can also track the status of your claims online or by contacting the number on the back of your insurance ID card.
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.
Learn more about using and managing your international insurance plan:
USA Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806