Helpful information on how to use your health insurance
Welcome to IMG Global Insurance!
Your new medical insurance ID card from has been emailed to you. The email is received from idcard@bmcdonnellinsurance.com so please check your spam/junk folders if necessary.
What You'll Receive:
Always carry your medical insurance ID card with you and present it to the medical provider when receiving treatment.
Your Insurance ID card:
Indicates that you have health insurance.
Contains information that providers, urgent care and hospitals will use to get paid by your insurance company.
Provides contact information for IMG Global Insurance Customer Care in case you have questions.
Providers’ offices will usually make a copy of your insurance card the first time they see you as a patient and they might ask for your ID or other proof of identification as well.
ID CARDS
The policy brochure provides an overview of your plans benefits and limitations including deductible, benefit limits and any applicable co-payments.
For full policy details, see the policy certificate.
PERSONALIZED BROCHURE
There are some links throughout this page with information about how to use your insurance effectively. If you have any questions or need additional information about your coverage or account, please contact Customer Care at insurance@imglobal.com or +1.800.628.4664.
MyIMG is our convenient online portal where you can:
Submit bills and manage claims
Access Explanation of Benefits (EOBs)
Obtain ID cards and other insurance documents
Access Customer Care via Live Chat, email or telephone
Locate a provider/facility/urgent care
CUSTOMER SERVICE
Set up your account at www.imglobal.com/myimg by creating a username and password. You will need your ID number and date of birth.
What’s a Provider Network and the importance of it?
Your plan gives you access to MyIMG, your online resource for Global Peace of Mind®. If you use an in-network provider, your out-of-pocket expenses will less than using a medical provider not in the MyIMG network. If you see a provider out-of-network, you will be subject to additional costs. When you receive healthcare services from providers that are in your insurance network, your out-of-pocket costs are typically lower than they would be if you received care from an out-of-network provider.
Find out more about “In-Network” and “Out-of- Network” coverage at https://ipa.imglobal.com
How to Find a Provider
Search for a facility, physician, or dentist anywhere in the world using our International Provider Access (IPA) database.
Enter the city and/or country in the search field to find a provider in a specific area.
For more information on a specific provider, click on the name of the facility, physician or dentist listed.
Providers with a star have direct billing arrangements with IMG.
$0 co-payment
You can choose to go to an urgent care center. These centers can treat most illnesses and some injuries and typically, you will not wait as long you would at the hospital. At urgent care centers, you can go there to get stitches for a bad cut or injuries that require immediate attention. Some urgent cares will take x-rays for if needed.
URGENT CARE
EMERGENCY ROOM
If you are having a life-threatening medical emergency, call 911 or go to the local hospitals’ emergency room. Emergency room visits and ambulance services are subject to your deductible and co-payments on your plan. Please review your brochure and policy certificate for details of deductible, co-insurance, co-payments and exclusions.
Submitting a Claim
Find out how to complete a Claim Form, how to file your insurance claim, and find copies of the Claim Form and Accident Questionnaire.
Not sure how to File an Insurance Claim?
This video will guide you through understanding the claim filing process.
Submitting a Claim for reimbursement.
If you have paid out of pocket for your services, you need to submit an itemized bill for reimbursement. The following is needed:
Claim form
The provider’s Tax ID number
Procedure/diagnosis codes
Providers name and address
Proof of payment
HCFA or 1500 Form from the provider’s office
Submit your claim to:
International Medical Group, Inc. (IMG)
Claims Department,
PO Box 240429
Apple Valley, MN 55124
Email: insurance@imglobal.com
Fax: (317) 655-4505
You have 90 days to mail email or fax a claim/claim form.
When you have your prescriptions filled. Please remember to keep the receipts, copy of the prescription and how you paid for that prescription to submit for reimbursement from IMG.
PHARMACY
Take advantage of the app that helps you find the lowest cost prescription drugs in your area. Mobile app that provides users with discounts at pharmacies in your area.
It allows you to compare prices for different medications and find coupons and discounts that can lower the cost of a prescription. GoodRX offers a pharmacy card that you can present at participating pharmacies. GoodRX is not a pharmacy.
Other Details
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The deductible is the amount of money that you must pay prior to receiving benefits or coverage under this insurance. After you pay your deductible, the rest of your medical care is covered for the remainder of that term unless your plan includes a co-payment or co-insurance. Please reference your brochure for details.
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Co-pay, which is a flat fee you pay anytime you are provided certain types of health care services. $0 co-pay for Urgent Care visits.
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You are covered for COVID-19 (COVID-19), the same as any other illness; as long as it is not a pre-existing condition. In other words, it wasn’t contracted before your coverage start date and does not fall within any other exclusion or limitations of the insurance policy. You will want to make sure you seek immediate care, if you exhibit any of the COVID symptoms. If you are not experiencing symptoms and are having a preventative COVID test, your test will not be covered by your insurance. When you visit the COVID test center, you should mention that you are experiencing symptoms for the test to be covered by insurance.
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Co-insurance is the percentage of your medical costs that you must pay after reaching your deductible. When you incur health care costs from a medical provider/procedure, you must pay out of pocket until you spend a certain amount, known as your deductible. Once you’ve paid your deductible, your insurance company starts splitting the cost of future care, based on a set percentage of the costs. The percentage that you pay is your co-insurance (10%). IMG will pay 90% of your co-insurance and you will pay 10%.
Co-insurance is different from a co-pay, which is a flat fee you pay anytime you get certain types of health care services.
As an example, let’s say you go to the hospital and get a bill of $4,000 to have a minor surgery. You’ll need to pay your $350.00 per injury/per illness deductible, then, the 10% co-insurance for that surgery.
The balance after the deductible is $3,650.00. You will need to pay 10% of that before the insurance company pays. 10% of that is $365.00 that you will owe to the provider.
If you have any questions or need additional information about your coverage or account, please contact Customer Care at insurance@imglobal.com or +1.800.628.4664.