If you are SICK or have an INJURY, be sure you are following the procedures below to utilize your Health Insurance:
☐ MyIMG Account. If you have not done so already, be sure to set-up your online account MyIMG at www.imglobal.com/member. Teachers and Dependents should set up separate online accounts. Click here for more information on setting up your MyIMG Account.
☐ Locate a Provider in your area. To find a Doctor, Urgent Care or Hospital in the UnitedHealthcare Network, go to https://us1.welcometouhc.com/ .
☐ Take Your UnitedHealthcare ID Card. When going to the Doctor’s Office, provide them with a copy of your UnitedHealthcare Insurance ID Card. If you need a copy of your ID Card, log into your MyIMG account at www.imglobal.com/member or email VISIT at [email protected].
☐ Preventive Care (wellness, annual physical exam, TB test, school health exams, and vaccinations)
Teachers: If you are going to the doctor for a Preventive Care Annual Exam, you MUST provide your CRESCENT Card NOT your UnitedHealthcare Card.
Dependents: Preventive Care and Vaccinations are NOT covered for Dependents. If your Dependent needs preventive care services, we suggest that you go to a Community Clinic or Walk-in Clinic for these services as they are less expensive than going to the Doctor’s Office.)
☐ COVID-19 CLAIMS. COVID-19 TESTING - COVID-19 PCR Test is only covered if you are symptomatic. The test will not be covered for travel or non-illness related testing. Your doctor must submit the COVID-19 test as a “sick visit” and provide your medical records when submitting your claim. You should also submit a Patient Claim Form through your MyIMG Account explaining your symptoms. To expediate your claim, please ask for your medical records at the time of your visit.
We encourage you to use a FREE Testing site, if available, to avoid additional out of pocket expenses.
Types of COVID-19 Tests:
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COVID-19 PCR Test – The COVID-19 PCR Test is COVERED as long as you are symptomatic at the time of the test. The polymerase chain reaction (PCR) test for COVID-19 is a molecular test that analyzes your upper respiratory specimen, looking for genetic material (ribonucleic acid or RNA) of SARS-CoV-2, the virus that causesCOVID-19. PCR tests are generally given at a Doctor’s office, Urgent Care or Hospital.
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COVID-19 RAPID Test and Home Test - A viral test tells you if you have a current infection. Two types of viral tests can be used: nucleic acid amplification tests (NAATs) and antigen (RAPID) tests. (The Rapid Test is NOT COVERED by the UnitedHealthcare Plan)
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COVID-19 Antibody Test - An antibody test (also known as a serology test) tells you if you had a past infection. Antibody tests should not be used to diagnose a current infection. (Antibody Test is NOT COVERED by the UnitedHealthcare Plan).
COVID Vaccine - The COVID-19 vaccine is NOT covered on your UnitedHealthcare policy. The vaccine is Free at most locations.
Medical Treatment for COVID - If you test positive for COVID-19, your medical expenses will be covered by the UnitedHealthcare plan up to the policy maximum of $100,000.
☐ DOCTOR Claim Form. Your Doctor’s Office should submit the standard claim form they use for all insurance companies that includes the procedure description and corresponding codes. Be sure your Doctor’s Office submits the claim to UnitedHealthcare using the information on your ID card.
☐ Medical Records. The Doctor’s Office may also be required to submit your medical records to the Claims Office. Be sure you have signed all necessary release forms at the Doctor’s Office so they can release your records to the insurance company.
☐ Precertification. Each proposed hospital admission, inpatient or outpatient surgery, and other procedures must be pre-certified for medical necessity. You or your Doctor’s Office should contact the Precertification Office PRIOR to the procedure at (317) 655-4500. Click here for more information on Precertification.
☐ PATIENT Claim Form. All claims require that you complete a Patient Claim form. If you have multiple visits to the Doctor for the same medical condition, you can complete one form and include all your visits on the same form. You can submit the form online through your MyIMG account at www.myimglobal.com/member.or you can download a Patient Claim Form online at http://www.visitinsurance.com/img-interactive-claim-form.pdf.
☐ How to Pay for Prescriptions. When going to the pharmacy, present your two discount prescription cards (Universal Rx and Wellcard). After the discount is applied, you will need to pay the balance to the pharmacy. Submit the receipt, the prescription with the Patient Claim form to be reimbursed.
☐ Check Your Claim Status. Claims can take 30-60 days to process once ALL of the required documents are received. Be sure to check your claims status online through your MyIMG account at www.myimglobal.com/member. Once the claim has been processed, an Explanation of Benefits will be posted to your MyIMG account at www.myimglobal.com/member.
☐ Appeal. If your claim is denied, you may file an appeal. An appeal should include a complete overview of your medical condition including when your symptoms started. Please contact VISIT Insurance for more information on how to file an Appeal.
☐ Questions About Your Claims? If you have followed all the steps above and still need additional assistance with your claim, we ask that you provide the following information to us by EMAIL at [email protected]:
- Name of the Person the Claim is for (you or your dependent)
- Date you or your dependent went to the doctor
- Name of the doctor you or your dependent went to
- Amount of the claim
- Any specific questions or details you have about the claim
- If you have received a bill that you do not understand, please include a copy of the bill in your email.
One of our claim's advocates will review your Inquiry and work on resolving your questions and or concerns. Our claims advocate will need a few days to review the information and research the claim. Due to the high call volume, the preferred and most efficient form of communication is EMAIL Therefore it’s important that you check your email often because we may need additional information to resolve your concerns quickly and accurately.
Please note: VISIT® Insurance does NOT process your claims. Your claims are processed by IMG and
UnitedHealthcare. YOU can review the status of your Claims YOURSELF 24/7 using your MyIMG Account. VISIT® cannot overturn a decision by the Claims Office. If your claim is denied and you do not agree with the decision of the Claims Office, you may file a CLAIM APPEAL.
