Which doctor or hospital can you go to?
ChoiceAmerica Insurance has a PPO network and provider is FirstHealth. It is recommended to go to a doctor or medical facility within the providers network to take the advantage of plan benefits and for easier claims process or negotiated rates.
How much is covered and what are the benefits?
Read your policy document [Description of Coverage] carefully to know the limits, benefits, and exclusions. In some cases a pre-certification may be required.
What is the Payment and Claim process?
For travel insurance plans, direct billing is never guaranteed. The billing process is at the discretion of the providers. Depending on their billing practices, the providers can either directly bill the insurance company IMG, or send the bills to you. They could also ask you to pay up front, and get reimbursed from the insurance company. The claim process is mandatory, whether the providers directly bill IMG or ask you to pay. You would need to report and file claims with IMG within 90 days of taking the services.
Reporting and filing the claim:
All claims must be submitted in writing along with supporting documents and receipts.
Supporting documents include the ID of insured, copy of insured's passport, and copies of all receipts, bills, itemized services, and a cover letter.