Which Doctor of hospital you can go to?
IHC STM Secure / Lite Insurance has a PPO network and provider is MultiPlan and ACS. It is recommended to go to a doctor or medical facilty within the providers network to take the advantage of plan benefits and for easier claims process or negotiated rates. However, IHC STM Secure / Lite Short Term Medical gives customers the freedom to choose doctors and hospitals of their choice without incurring any out-of-network penalties; However, discounts available through PPO network providers for covered services will help to lower your out-of-pocket costs.
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.
Payment and Claim process?
Direct billing is not promised, depending on the service provider's billing practice, bill can either be sent to directly to the insurance company, The IHC Group, or may come to you. Hospitals within the PPO network will normally file claims for patients. Irrespective of billing process, you are required to report and file claims in a specific claims reporting form. Claims must be reported and submitted to the insurance administrator, The IHC Group, within 90 days from the date of service received. If visiting a hospital outside the the PPO network, patients may be responsible for filing claims themselves. Upon approval of STM application, applicants will receive materials for filing claims as part of the fulfillment kit with instructions on how to proceed with claims process.
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.