Insurance Information
Using your insurance while in the U.S.
- Insurance Information
- Before you leave for the U.S.
- Using your insurance in the U.S.
- In Case of an Emergency
- Prescription Medication
- Vision & Dental Care
Using your insurance while in the U.S.
Notify InterExchange of your arrival in the U.S.
You will then receive your insurance card via email from [email protected].
Download or Print your insurance ID card from your email.
Seeking Treatment
The first step to seeking treatment is to log in to your Student Zone.
- If you arrived on or after January 1, 2024, log in to your Student Zone here.
- If you arrived before or on December 31, 2023, log in to your Student Zone here.
You may then make a telemedicine appointment to speak with a doctor virtually or find a local doctor to visit in-person.
- Telemedicine
- Your Student Zone will include details on signing up for the telemedicine service.
- There may be a number of free consultations included in your plan. After you’ve used your free visits, there may be a small fee to use the service but this will still remain the cheapest option for seeking care.
- In-person doctor visit
- From the main page of your student zone, choose Doctor/Hospital Search.
- Interns or Trainees in the 50 states should use the UnitedHealthcare link to search for in-network providers in the USA.
- Interns or Trainees in Guam and Saipan should click on the link for Well Abroad or My IMG International Access to search for in-network doctors.
- When searching for doctors, list your postal code and choose the type of care or doctor you need.
- Remember when searching for “places” that convenience and urgent care clinics will be the most affordable, and often don’t require an appointment to visit.
Remember: Only use the emergency room (ER) in emergency situations. Emergency room visits are very expensive in the U.S. and you may have an additional ER deductible that you will have to pay if you seek treatment at the emergency room and aren’t admitted.
For 24-Hour assistance in searching for care, contact the insurance company below:
IMG – 2024 arrivals
- Toll Free (855) 731-9445
- Direct +1 (317) 927-6806
Seven Corners – 2022 and 2023 arrivals
- Toll Free: (877) 702-6767
- Direct Dial: +1 (317) 582-2622
Making an appointment
If you aren’t visiting a walk-in clinic, you’ll need to call the doctor’s office to make an appointment
Show your ID card at the doctor’s office
Pay your deductible ($50)
- What is a deductible? This is the amount you must pay before the insurance company will start to cover the costs.
- The $50 deductible is for in-person doctor visits. A smaller fee is charged for telemedicine appointments.
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.
Fill out a Claim Form/Proof of Loss Form
- Visit your Student Zone (see links above) and navigate to the Claims Center to access claims forms and instructions.
- What is a claim form? It is a form/application you must fill in after going to the doctor in order for the insurance company to pay your medical bill.
- IMPORTANT: Even if the doctor sends a bill directly to your insurance provider, you MUST still submit a claim form in order for your bill to be paid by the insurance company.
- A claims form is required for each new injury/illness.
- Please be sure to answer all the questions on the form. If you have questions while completing the form, please contact the insurance company to ask for clarification.
- If IMG is your insurance provided (you arrived in 2024), then you will also need to complete an accident form (in addition to the claims form) if you visited a doctor as a result of an accident. Visit your Student Zone for the form and instructions.
IMPORTANT! You have 90 days from the date of service to submit the Proof of Loss Form to the insurance company. If you submit it late, your claims will be denied and you will be responsible for paying your medical bills.
