How does the insurance work?
This insurance policy, which IENA has arranged with Envisage Global Insurance (EGI), is designed to meet the needs of J-1 participants. It exceeds the minimum coverage levels required by the US Department of State.
When seeking in-person medical treatment, we suggest using your plans network to find doctors in your area. Inside the United States, your plan uses the UnitedHealthcare network. If you ever need assistance finding a doctor, please contact Customer Service Toll Free (855) 731-9445
USA Direct +1 (317) 927-6806 or email CustomerCare@IMGlobal.com
Medical Insurance ID Card
To access your complete insurance information including your Insurance ID-Card and Claims Instructions, please visit your personal Student Zone area at:
Your Student Zone is your insurance help center, designed to help you understand how your insurance works and how to receive medical care. In addition, your insurance plan includes access to MyIMG — your online account center to submit and manage your claims.
We strongly recommend that you register for your MyIMG account as soon as your coverage starts. Once you’ve registered, any future updates on the status of your claims will be sent to you via email, making it easier to track your claims! Please download this helpful PDF to learn more about setting up your account and filing claims: (attached below in email if you want to link it to site)
You can register for your MyIMG account once your coverage is active. To do this, please follow the steps below.
- Visit the MyIMG Registration page linked on your Zone
- Enter your IMG Insured ID Number (this can be found on your insurance ID card)
- Enter your Date of Birth
- Once you have done that, the system will walk you through the rest of the setup process
Important – check the dates of your policy. These are the dates as provided by you to your recruiter or IENA and they should match exactly with your flight/travel dates to/from America. If not, please contact your recruiter or IENA immediately.
If you wish to extend your insurance, simply log in to your personal MyInsurance area. Please note that there will be an extra cost if you will exceed 123 days.
How do I find a doctor?
Teladoc Visit
Your insurance plan includes Teladoc within the USA, and this should be your first place to seek medical care in non-emergency situations. You can learn more about accessing this on our Teladoc page, or by downloading our helpful PDF. (attached to this email if you want to link it to the site)
Find a Doctor/Hospital
If your condition is severe or you need in-person medical attention, you can find doctors online that are part of your insurance plan here.
- Urgent Care Centers and Walk-In Clinics are often the best places to seek medical care quickly and you will pay less out-of-pocket.
- Only use the Emergency Room (ER) in emergency situations. Your plan may include an additional ER deductible that you will have to pay if you seek treatment at the Emergency Room.
Note that there are a number of services that require pre-certification, such as a surgery, emergency evacuation, emergency reunion and any hospital admissions. Please see your certificate for full details and make sure to call the number on your insurance ID card within 48 hours or as soon as possible or there will be a reduction in benefits.
What isn’t covered?
Your insurance policy will detail what is covered but there are some important things IENA really would like you to know about:
- For the most part, pre-existing conditions are NOT covered on the policy unless the condition has been stable for a period of 12 months.
- Pregnancy and any Pregnancy related medical issues (whether known or unknown) are not covered.. If you are pregnant when on the program, IENA will end your program early and you must return home.
- Unnecessary treatment.
The most common uncovered situation IENA experiences is an undeclared history of Mental Health treatment. Please make sure you are responsible for declaring medical issues and being covered.
If you are unsure, check with IENA. If you have pre-existing conditions which are not covered, you will be responsible for purchasing your own additional insurance.