Frequently Asked Questions
These frequently asked questions about insurance are a resource for current Work & Travel USA program participants.
Insurance Basics
- General FAQ
- Current Participants
- Social Security Number
- Taxes
- Insurance Basics
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). You can find more Insurance resources here.
What is a deductible?
This is the amount you must pay out of your own pocket towards medical expenses before the insurance company is obligated to pay – outside of the USA, this is also known as “excess.” If your coverage is provided through Envisage Global Insurance, on the IMG insurance plan, you will have a $150 deductible for a doctor’s office visit. You have a $350 deductible for visiting the emergency room (unless you are admitted overnight).
What is pre-certification?
Some medical procedures need to be pre-certified, meaning that you or your doctor must notify the insurance company within 48 hours, or as soon as reasonably possible in the following cases:
- Hospital admission
- Inpatient or outpatient surgery
- Emergency medical evacuation
- Emergency medical reunion
- Trip interruption
- Return of mortal remains
When I telephone the doctor to make an appointment and they request the name of my insurance, what do I tell them?
The plan utilizes the UnitedHealthcare (UHC) Network, so when calling or talking with providers, please mention this name or show the provider a copy of your insurance ID card with the UnitedHealthcare (UHC) logo on it for network recognition. Alternatively, or if any issues arise, please contact International Medical Group (IMG) for assistance.
Can I go to any doctor?
We highly recommend staying in your network so that all bills and invoices may be settled without any payment (apart from your deductibles) on your part. You may seek healthcare services outside of the network but you must be prepared to cover those costs yourself, and this is often very expensive.
What does my insurance not cover?
Common exclusions on your insurance plan include dental (teeth), vision (eyes), pre-existing conditions, birth control pills, long-term treatment, and regular exams/check-ups. Please visit Envisage Global Insurance for a copy of your insurance brochure containing a complete listing of the plan exclusions.
What if I lose my insurance card?
You can enter the required information and download your card online. Or, contact InterExchange at 1.800.621.1202 or [email protected], and we will email you your card. You can also contact International Medical Group (provided through Envisage Global Insurance) for assistance.
What do I need to take with me when I go the doctor’s office?
You should take with you:
- Your insurance card
- Passport (to use as identification)
- DS-2019 Form (just in case they want to see it!)
Where do I find my individual insurance policy number?
Your insurance ID card contains both your Group ID (this is the same for all participants under the plan) and your certificate ID, which is unique for you and is your individual insurance policy number.
What is a claim form?
It is a form/application that you must complete after going to the doctor in order for the insurance company to pay their medical bill. You can download a claim form here.
Who has to file a claim form?
All Work & Travel USA program participants who go to the doctor must file a claim form.
When should I file the claim form?
As soon as possible after going to the doctor’s office.
Where do I send my claim form?
Email (preferred): [email protected]
Fax: (+1) 317-575-2256
Mail: SevenCorners, Inc. Attn.: Claims 303 Congressional Boulevard Carmel, IN 46032 USA
If my medical provider sent my bill directly to the insurance claims department, do I still need to fill out a claim form?
Yes, the claims department still needs a claim form from you in order to identify the medical bill they received from the medical provider.
What does the insurance company need from me in order to process my refund?
If you pay for any medical treatment, keep all receipts, bills, and invoices. Fill out a claim form and submit it with your payment receipt(s) to the insurance company (see above).
What should I do if the medical provider sent the bill directly to me and not to the insurance company?
If you received a medical bill, fill out a claim form and submit it with your bill to the insurance company.
How do I buy prescription medication in the United States?
You will need to pay for your prescription medication up-front and submit your receipt and a claim form to the insurance company to be reimbursed.
How can I check the status of my claim?
You can set up your online account to access information about claims here and to contact the insurance company with any questions you may have.
