The Patriot Exchange Program and The Patriot America Plus Program can cover medical necessary COVID-19 related treatment and exam after deductible is meet if the condition is not pre-existing. COVID-19 is a medical condition and will be treated as any other illness subject to all the terms and conditions of the insurance plan or policy. Any charges incurred and associated proof of claim should be sent to insurance company for benefit consideration.

The Patriot Exchange Program and The Patriot America Plus Program testing is only covered if it is determined to be medically necessary and meet all the terms and conditions of the Insured Person’s certificate of Insurance. If it is diagnosed as being wellness in nature, it would not be covered.

After you purchase the plan, you will receive an email with your ID number. Then you can go to the following link to download all policy documents: https://www.imglobal.com/member/plan-documents.

• You can find a preferred provider using the link: https://www.imglobal.com/find-a-doctor . After you enter the website, click “Search First Health PPO/Search Unitedhealthcare PPO” and then you will be able to find a provider based on your condition or location.
• You can register for a MyIMG account once the plan becomes effective, and you can file a claim online through your MyIMG account.

Add-on rider is addition coverage for a specific activity. For example, high school or college sporty injuries.

There are two main differences between travel insurance and SM health insurance:

• Period of Coverage:
  Patriot Exchange Program: The coverage you purchase should be at least 31 days.
  Patriot America Plus Program: The coverage you purchase should be at least 5 days.
  SM health insurance: The minimum coverage should no less than 90 days.
• Benefits:
  Travel insurance does not cover mental health service, preventive care service, pregnancy service, pre-existing conditions, prescription drug, ambulance, new born, dental & vision coverage which is covered under Student Medicover health plan. If you want to know more details you can see the certificates.
  1.Certificate of Patriot Exchange :https://www.imglobal.com/docs/library/policy-summaries/patriot-exchange-program-epsni-sample-contract.pdf
  2.Certificate of Patriot America Plus :https://www.imglobal.com/docs/library/policy-summaries/patriot-america-plus.pdf

The insurance company may ask a third-party company to decide on the average charge based on the region that the hospital is located, then insurance will pay 100% average price. If the hospital charged more than the average price, the exceed expense will be patients’ responsibility.

Travel insurance plan uses UnitedHealthcare Options PPO network.

For Patriot Exchange Program:

• If you request for a refund within three (3) days from the initial effective date of coverage (the “Review Period”), you are qualified to receive a full refund and no cancellation fee will be charged.
• After the Review Period, you may qualify for partial refund if no claims have been filed with the company and a cancellation fee of $50 will be charged.

• Only full month premiums are refundable for Patriot Exchange Program.

• The Patriot Exchange Program can cover your medical expense at student health center, but The Patriot America Plus can not cover.

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying.

Complete Proof of Claim must be received by IMG prior to making any benefit determinations. Proof of Claim is defined within your plan or Certificate of Insurance. Once all information is received, then claims are promptly processed in accordance with industry standards. However, when additional information is required to complete the Proof of Claim, processing will be delayed. The insured will receive an Explanation of Benefits indicating what is needed for further consideration. Failure to comply may result in the insured’s claim being closed for lack of response.