DO NOT SAY:
"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, and NOT other documents such as business card or certificate wording.
Visitors to U.S.A. / Travel Outside U.S. medical plans purchased on or after 5/1/2019 and Student Medical plans purchased on or after 6/5/2019 will have the United Healthcare PPO Network. Visitors to U.S.A. / Travel Outside U.S. medical policies purchased prior to 5/1/2019 and Student Medical Policies purchased prior to 6/5/2019 will have the First Health PPO Network and will continue to have the First Health PPO network and original benefits until they purchase a new policy.
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 Specialty Insurance Corporation, for any purpose whatsoever.Claims Process & FAQ
Outside the U.S.A.
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.
International Provider Access (IPA)
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.