Health Insurance

All InterExchange Work & Travel USA students will be covered by accident and sickness insurance during their program in the U.S. InterExchange-arranged insurance is provided through Envisage Global Insurance. The name of  the insurance company is International Medical Group (IMG). Participants are insured during their program dates (your DS-2019 dates).

Before You Leave for the U.S.

1. Read your insurance brochure: Make sure you understand the coverage details provided in the Insurance Brochure 2024.  
2. Finding your insurance ID card: You will receive your ID card and health insurance information approximately one week before your arrival date from [email protected].
3. You can also Download Your Insurance Card here. Save it on your phone or keep a print out as a backup.

Using Your Insurance While in the U.S.

1. Teladoc 

Your plan includes access to a virtual telemedicine service.If you have a minor or non-urgent medical need, you can use Teladoc Virtual Telemedicine to see a doctor or get a prescription.

2. In Network Doctors

Find a medical provider in the UnitedHealthcare (UHC) network: Online; OR Call the insurance company or InterExchange

3. Non-Emergency Care

For immediate care in non-emergency situations, you SHOULD go to a Walk-in Clinic, Urgent Care center or local doctor. Urgent Care and Walk-in Clinics are often the best places to seek medical care as you can walk right in and they require no appointment.

4. Emotional Wellness Support

DialCare is included in your plan for no additional cost to support you in your time of need. DialCare is a virtual and telephonic counseling service focused on providing safe, secure and private means of seeking mental health assistance from licensed counselors. Please visit the website for more details.

5. Making an Appointment 

Here’s an example of how you might request a doctor’s appointment:

Hello, my name is <Your Name>. I am calling to make an appointment with Doctor <Name of the Doctor>. I have an American insurance plan provided by IMG. My insurance uses the UnitedHealthcare (UHC) provider network and this doctor is listed as in-network. When is the next available appointment for new patients?

Note that some doctors might not have availability to accept new patients. Don’t get discouraged. There are many providers in the network

6. Insurance ID Card

Make sure you carry your  ID card and show it at the doctor’s office. 

7. Pay Your Deductible ($150)

What is a deductible? This is the amount you must pay before the insurance company will start to cover the costs.

8. Tracking Medical Bills

Ask the doctor’s office to send your medical bills to the insurance company. Keep records of all receipts and paperwork from your medical visits.

9. Submit a Claim

• Fill Out a Claim Form and send It to [email protected] 
• Make sure to submit any copies of payment receipts or bills from the Medical Provider. International Medical Group, needs this form to process your medical bills once they receive them from the medical office.
• You have 90 days from the date of service to submit the claim form. If you submit it late, your claims will be denied and you will be responsible for paying your medical bills.

10. Check the Status of Your Claim

• Once you have submitted your claim to International Medical Group, you can create a My Account to check the status of your claims, or contact International Medical Group.
• All the information you need to file claims and check the status of your claims is in your Student Zone