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IMG Fixed coverage plan Hi My parents are coming here shortly and planning to stay with me for 6 months. Both of them have a decent health with no existing health problems. I am looking at buying the IMG fixed coverage plans and went through the brochure. I have a few queries that I need your advise. 1. It says an amount $x per coverage of period. Example: Prescription drugs $250 per period of coverage. Physician visits $55 per visit, 10 visits per period of coverage. What is this period of coverage ? If I take insurance for 6 months, is the entire 6 months considered as 1 period of coverage ? If 6 months is considered as 1 period, then would it make sense to buy it for 1 month and then renew it every month ? 2. Lets say I opt for a deductible of $100. I meet the doctor and do a lab test and buy prescription drugs as recommended by the doctor. Is the deductible $100 for all three(Doctor, test & drug) or should I pay deductible $100 for each of them ? 3. I understand from the website that IMG participates in the First Health PPO Network. Will I get the discounted rate for the fixed coverage plans also ? Thanks in Advance.
1. Period of coverage is for however long you buy the insurance and pay for it upfront. If you buy for 6 months, period of coverage is 6 months. If you buy for 1 month and renew every month, period of coverage is 1 month every time. Those coverages you mention are per period of coverage. However, the deductible is also per period of coverage. Therefore, to maintain the balance, you should purchase for 3 months and then renew for 3 months. 2. Deductible is once for everything. That means, you don't have to pay separate deductible for different things. 3. Yes.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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