"My insurance uses the United Healthcare PPO Network or the First Health PPO Network and I found your name on the network search directory."
"I have IMG Insurance" or "I use IMG Network" or "I have Patriot America insurance" or "I have Insubuy insurance."
Providers WILL NOT recognize this language, and your insurance may not be accepted.
Make sure to present your insurance ID card, NOT other documents such as business card or certificate wording.
Policies purchased on or after 5/1/2019 will have the United Healthcare PPO Network. Policies purchased prior to 5/1/19 will have the First Health PPO and will continue to have the First Health PPO and original benefits until they purchase a new policy.
If your ID card shows the United Healthcare logo, search here:Search Providers
If your ID card shows the First Health logo, search here:Search Providers
When you go in the network, there will be network negotiated fees for eligible expenses.
You can also go out of the network but there would be no network negotiated fees. Direct billing depends on the provider.
All your claims will be handled by International Medical Group (IMG) in the USA. You never have to contact the carrier, Sirius International, for any purpose whatsoever.Claims Process & FAQ
IMG has a network all over the world. Outside the USA, some of the providers are contracted with IMG for direct billing, but there is no network negotiated fee arrangement. You are free to visit any hospital, doctor or provider, and you may have to first pay and then get reimbursed from the insurance company by filing a claim form.
The doctor's office or local hospital has a choice to be paid by the patient or by the insurance company. However, for larger eligible expenses like hospitalization/surgery etc., the insurance company can make arrangements for direct payment to the provider.
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.Learn More
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.Learn More
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.Learn More
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.Learn More
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.Learn More
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.Learn More
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.Learn More
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.Learn More
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.Learn More
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.Learn More