FREQUENTLY ASKED QUESTIONS
Q: What is the policy number?
A: The 2006-2007 policy numbers are #EPSWN00138341 and #EPSWN00143631
Form EPGTNonUS-WW01/2006
Q: What is the effective date?
A: August 21, 2006.
Q: What is the policy expiration date?
A: August 21, 2007.
Q: How do I know if I am eligible to take the Student
Accident & Sickness
Insurance?
A: Registered International students are required to have insurance
while attending the University. Waiver may only be granted if proof
of comparable coverage is provided and the waiver is completed.
Q: Can
I get the insurance to cover my spouse and/or children?
A: Yes. Eligible students may also insure their Dependents. Eligible
Dependents are the spouse and unmarried children under
19 years of age who are not self supporting. A dependents eligibility
expires concurrently with
that of the Insured Student. Dependent coverage information
is
on the Enrollment Form. This plan does not provide "Home Country" coverage.
Home Country is defined
as the country which has issued your passport.
Q: Is there a deductible on this policy?
A: Yes, the insureds are responsible for a $100 deductible per occurrence. This
does not mean that every time you see a physician the deductible will apply.
If you sprain your wrist and see the Physician 3 times for treatment of that
wrist, that is considered as a single occurrence. If you see the physician
for a sprained wrist, then later see the physician for the flu, that would
be considered 2 separate occurrences.
Q: With this insurance must I go to the University
Health Center first?
A: No, the policy provides coverage for a covered service regardless
of where the treatment is performed.
Q: How do I get an I.D. card?
A: After enrolling in the program, you will be sent the I.D. Card with the fulfillment Kit, or you may print one from the "I.D. Card" section of this website.
Q: What does this insurance cover?
A: This insurance covers medical expenses which arise from an Injury
or illness which occurs while you are covered under the program.
Q:
Does this policy pay all medical bills in full?
A: No, there are exclusions and limitations in the policy, so you will
need to refer to the brochure.
Q: Can I go to any doctor?
A: Yes you can. However, International Medical Group® does
work with The First Health Network®,
a Preferred Provider Organization network of physicians
and hospitals. Going to a First Health Network® Physician
or Hospital would in most cases result in lower charges
which would directly lower any co-payments that you would have to pay.
Q:
Where do I get a claim form?
A: Print one from this website or pick one up at the
International Student Services Office.
Q: How do I file a claim?
A: Attach your bills to a completed Claim Form and mail to International
Medical Group® Inc.,
ATT: Claims, P.O. Box 88500, Indianapolis IN. 46208-0500. If
the claim was the result of an accident, it is advised that you fill in the
General Accident
Questionnaire and submit that with the claim form. Keep copies
of everything you submit. Claims must be filed within 30 days of Injury or
illness and medical
bills must be received within 90 days of service.
Q: What is
the policy's maximum benefit?
A: The maximum benefit is $100,000 per person per policy
year.
Q: If I have a specific question about coverage who can I call?
A: You may call K & K Consulting Services Inc. at (253) 238-6374 or 1-866-552-8834 (toll-free), or call International Medical Group® Customer Services at 1-800-628-4664
K & K Consulting Services Inc.
P.O. Box 110998
Tacoma Washington, 98411-0998
Phone: (253) 238-6374
Toll-Free: (866) 552-8834
Fax: (253) 238-6382
Email: info@betins.com
Web: www.betins.com
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