IMG PPO Network Search

United Healthcare PPO Network

Inside the U.S.A

Most plans, except fixed coverage plans, from IMG participate in the United Healthcare PPO Network.

When you contact a medical provider or present your ID card, what should you say?

"My insurance uses the United Healthcare 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 Lite 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.

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, SiriusPoint Specialty Insurance Corporation, for any purpose whatsoever.

Search ProvidersClaims Process & FAQ

Prescription Drugs

There is no PPO network for prescription drugs. Therefore, you do not receive an Rx card with the BIN #, PCN #, RxGRP # etc. that pharmacies such as CVS, WalGreens, Rite Aid, Walmart, Costco etc. are looking for.

You will have to first pay out of your pocket, and then file for reimbursement of eligible expenses as an out-of-network benefit.

Your insurance ID card includes a Universal Rx discount card that you can use to reduce the upfront price that you would need to get reimbursement for.

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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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