The K & K Consulting Services
International Student Medical Insurance Plan
Your safety health and well being is of the greatest concern to us. As such, we at K & K Consulting Services Inc. are pleased to offer you the Patriot Group Exchange Program (PGEP), Medical Insurance Plan.
This brochure is a general plan brochure. Please take the time to review this Brochure as it describes the benefits of the International Student Health Insurance Program. Your specific plan may vary. Please see your school or program sponsor for the exact details of your plan.
Please familiarize yourself with the coverages and the exclusions. Certain exclusions such as Pre–Existing Conditions not being covered are important for you to know. If you have any questions regarding the coverages or exclusions, (make sure you have your certificate number and personal ID number available), then please call K & K Consulting Services Inc. at (253) 238–6374 or 866-552-8834 toll-free. You can email K & K Consulting Services at info@betins.com. Additionally you may contact the IMG® customer service number at 1–800–628–4664, or email insurance@imglobal.com.
ELIGIBILITY
Meet the requirements as set forth in section D of the Certificate. If you have any questions concerning eligibility requirements, please contact K & K Consulting Services Inc. at (253) 238–6374 or 866-552-8834 (toll-free), or email info@betins.com. You can contact International Medical Group at 1–800–628–4664 or email insurance@imglobal.com.
EFFECTIVE AND TERMINATION DATES
Your insurance will end on the earliest of the date you are no longer in an eligible class, you become full time active duty in any Armed Forces, you reach the end of the period for which premium was paid, the Policy is terminated, or the date you cease to be a participant under the Policy.
A full premium refund is available if K & K Consulting Services Inc. is notified of cancellation prior to the effective date of the students individual insurance plan. All premiums shall be considered fully earned on the effective date and no refunds shall be made available after that date.
THIS WEB PAGE IS INTENDED AS A GENERAL SUMMARY OF THE INSURANCE BENEFITS. The Master Policy on file at the company with a copy to the school contains all of the provisions, limitations, exclusions and qualifications of your insurance benefits, some of which may not be included on this page or in the brochure. If any discrepancy exists between the Brochure and the Master Policy, the Master Policy will govern and control the payment of benefits. This plan does not provide "Home Country" coverage. Home Country is defined as the country which has issued your passport.
(see sample certificate, PDF)
K & K Consulting Services - The PGEP Medical Insurance Plan Overview
(see precertification requirement below)
| Schedule of Benefits* |
Benefit Description |
| Deductible |
$100 per illness or injury |
| Coinsurance |
100% |
| Plan Maximum |
$50,000 - $500,000 lifetime maximum depending on your plan. |
| Treatment Period |
60 days per chronic illness |
| Hospital Room & Board |
Up to semi-private room rate |
| Hospital Intensive Care |
URC*** |
| Physical Therapy |
URC***, 1 visit per day |
| Physician Visit |
URC*** |
| Eligible Medical Expenses |
URC*** |
| Dental |
Sudden and unexpected pain, $85: Accident, $500 |
| Emergency Room |
URC*** – Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional $250 deductible if treatment does not require admittance to the hospital |
| Emergency Medical Evacuation |
$50,000 |
| Emergency Reunion |
$15,000 |
| Return of Mortal Remains |
$25,000 |
| Accidental Death |
$25,000 |
| Dismemberment |
$25,000 two limbs; $12,500 one limb |
*This web page and benefit description is an overview. At all times the terms of the contract shall prevail
**all $ amounts in United States Dollars
***Usual Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment.
Precertification
Each proposed hospital admission, inpatient or outpatient surgery, and other procedure as noted in the Certificate Wording must be Precertified for the medical necessity, which means the insured person or their attending physician must call the number listed on the IMG identification Card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses will be reduced by 50%. Precertification is no an assurance of coverage, a verification of benefits or a guarantee of payment. All medical expenses must meet usual reasonable, customary and eligible payment guidelines. Please referr to the certificate Wording for full details of the percertification requirements.
For precertification, emergency evacuation and repatriation, please call:
IMG in the US: 1–800–628–4664 (toll free) or 1–317–655–4500.
Call IMG outside the US: 001–317–655–4500 (collect if necessary).
This information will also be provided on your ID card.
Begin the Precertification process only (not to be used for Emergency Evacuation or repatriation).
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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