Global Medical Gold Plan

Global Medical Gold Insurance

Global Medical Gold is coverage designed for individuals or families living or working abroad. It is ideally suited for those who desire full major medical coverage but for a limited period of time. It provides comprehensive benefits for the first three years of coverage. After three years, certain benefits and lifetime maximums are reduced.

What makes this plan so great?

  • Medical maximum of $5,000,000 per individual
  • Six deductible options from $250 to $10,000
  • Lifetime medical coverage available
  • Emergency medical evacuation benefit
  • Optional additional coverage for dental, vision, & maternity

U.S. citizens must plan to leave the U.S. on or before their effective date and reside outside the U.S. for at least six out of the next 12 months. With all IMG plans, you’ll have access to multilingual customer service centers, claims administrators, and 24-hour emergency medical services.

Details
FAQs
Claims

Global Medical Gold Plan Details


Overview

Medical Maximum

$5,000,000 lifetime per individual

Deductible

$250 to $10,000

Per period of coverage

Family Deductible

3 times the individual deductible

Treatment outside the U.S. and Canada

No co-insurance, subject to deductible

PPO Network - Deductible 50% Waived (to a $2,500 Maximum). No co-insurance.

Treatment inside the U.S. - In-patient Non-emergency

Medical Concierge - deductible 50% waived (to a $2,500 maximum). No co-insurance.

PPO Network - subject to deductible. No co-insurance.

Treatment Inside the U.S. - Non-PPO Network and Canada

Plan pays 80% of the next $5,000 of eligible expenses, then 100% to the overall maximum per period of coverage

Subject to deductible

Hospital Room and Board

(1st 36 months of continuous coverage): In U.S./Canada – URC of average semi-private room rate. Outside of U.S./ Canada - URC of private room rate (not to exceed 150% of semi-private room rate)

(Beginning the 1st day of the 37th month): Up to a limit of $2,250 per day - semi-private room rate

Intensive Care

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): Up to a limit of $4,500 per day

Surgical Treatment

URC

Anesthetist's Charges Associated with Surgery

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): 20% of surgery benefit

Transplants

(1st 36 months of continuous coverage): $1,000,000 lifetime maximum

(Beginning the 1st day of the 37th month): $500,000
lifetime maximum

Out-patient Medical Expenses

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): Physician Charges - limit of $150 per visit; Hospital Charge - $100 co-pay unless admitted; Urgent Care Facility - $25 co-pay; Diagnostic Lab and X-Rays limited to $5,000 per certificate period

Emergency Room Illness with In-patient Admission

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): URC

Emergency Room Illness without In-patient Admission

(1st 36 months of continuous coverage): URC
(Additional $250 deductible if not admitted)

(Beginning the 1st day of the 37th month): URC
(Additional $250 deductible if not admitted)

Emergency Room Accident

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): URC

Supplemental Accident

(1st 36 months of continuous coverage): $300 per occurrence

(Beginning the 1st day of the 37th month): $300 per occurrence

Local Ambulance

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): $100 per event - not subject to deductible or co-insurance

(1st 36 months of continuous coverage): $10,000 per period - $50,000 maximum - Available after 12 months of continuous coverage

(Beginning the 1st day of the 37th month): $2,500 maximum per certificate period; In-patient limited to 25 days per certificate period; Out-patient limited to max of 20 visits per certificate period at 70% eligible expenses, up to $75 maximum per visit; Lifetime maximum of $30,000

Emergency Evacuation

(1st 36 months of continuous coverage): Up to maximum limit - not subject to deductible or co-insurance

(Beginning the 1st day of the 37th month): $250,000 limit per person per certificate period

Emergency Reunion

$10,000 lifetime maximum

Return of Remains

(1st 36 months of continuous coverage): $25,000 lifetime maximum per insured - not subject to deductible or co-insurance

(Beginning the 1st day of the 37th month): $15,000 lifetime maximum per insured - not subject to deductible or co-insurance

Child Wellness

$200 maximum per period of coverage - not subject to deductible or co-insurance - Available after 12 months of continuous coverage

Adult Wellness

$250 per period of coverage - not subject to deductible or co-insurance - Available for those 30 years of age and over after 12 months of continuous coverage.

RX

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): $5,000 per certificate period for each insured person, out-patient only

Other Services

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): URC - Radiation & Chemotherapy treatments (in and out-patient) limited to $10,000 per year; $50,000 lifetime maximum

Physical Therapy

(1st 36 months of continuous coverage): Maximum $50 per visit

(Beginning the 1st day of the 37th month): Maximum $50 per visit - $1,000 max per certificate period. $10,000 lifetime maximum

Complementary Medicine

Acupuncture $150
Aroma Therapy $50
Herbal Therapy $50
Magnetic Therapy $75
Massage Therapy $150
Vitamin Therapy $100
Each per period of coverage

Recreational Scuba

URC

Non Emergency Dental

Optional Rider

Emergency Dental

(1st 36 months of continuous coverage): URC

(Beginning the 1st day of the 37th month): $500 per period of coverage

Vision

Optional Rider

Maternity

Optional Rider* - $50,000 lifetime maximum, maximum of $5,000 for normal delivery, $7,500 for C-section - not subject to deductible or co-insurance, $200 child wellness benefit for the first 12 months, new born care & congenital disorders maximum of $250,000 for the first 31 days (Benefits reduced by 50% for births in that occur in the 11th or 12th month of continuous coverage)

For full policy information, see your policy certificate for details.

Global Medical Gold Frequently Asked Questions


Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Are vision and dental benefits covered under a short-term medical plan?

Unless state-mandated, vision and dental are not covered under a short-term medical plan. Emergency dental work due to an accident may be included under a standard plan.

Can I cancel my coverage?

If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.

If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/ sickness and trip cancellation needs in one.

Does Medicare pay for international medical expenses?

Medicare will not cover cost associated with international travel. Some Medicare supplements will pay limited expenses but you must pay everything up front and file for reimbursement.

For more information you can visit

Does travel insurance cover pregnancy?

Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936

Now that I have purchased insurance coverage, what do I do with it?

Print your ID card and a copy of the claim form. Your ID card contains your policy certificate number, your name, and dates of coverage. The ID card and claim form both have the phone number for the insurance company. It is also a good idea to email a family member or trusted person a copy of your insurance coverage, passport, itinerary, credit card, and other travel documents in case you lose them.

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

What is a PPO Network?

The PPO (preferred provider organization) plan network usually pertains to insurance coverage that is being used in the U.S.A. and Canada. Most plans have a network of selected doctors, hospitals, and care facilities they have contracted with for discounted rates. If you use that network, or stay in that network, then there is less co-insurance you must pay. If you use a doctor or facility outside of that network, your portion of the co-insurance is higher.

What’s the Rx Discount Card that comes with this plan?

This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

Will short-term coverage provide benefits for travel vaccinations, wellness check-up, or female preventative care?

Preventative care is generally not covered under short-term travel plans. Long-term expatriate plans and some student health plans may offer variations of wellness care.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936
Email:

Global Medical Gold Claims & Assistance


  • International Medical Group, Inc.
  • 2960 North Meridian Street
  • Indianapolis
  • IN, 46208
Emergency

1-800-628-4664
1-317-655-4500 (outside US)

Claims

1-800-628-4664
1-317-655-4500 (outside US)
insurance@imglobal.com