Client Services

This section is for our clients who have current policies.


My Plan is   I need Help with  

Email address for Confirmation Email  
The Policy was Purchased for:  
Comments/Special Request:  
Certificate Number Required:  
Certificate Number Required:  
Some Policies require DOB and the Certificate Number (IMG)
It looks like a PDF is downloaded, some have a brief PDF while others are the Complete Policy wording

I need guidance as to what the Policy/Company requirements are for this task
Certificate Number Required:  
Links for: Claim form - a PDF file. PDF file depends upon Policy selected. Need a list of PDF file names for the Policies.
Get PDF
Precertification - Information about the Policy selected. Looks like the text is from the Insurance Company, not sure.
Processing Tips - Looks like it could also be from the Insurance Company, again not sure.
Certificate Number Required:     
Certificate Number Required:     
Certificate Number Required:  
Requires DOB as well
Are all Policies available for ID Card printing or just IMG?
Looks like it will also require saving Client Info, not sure. Could be an IMG API to get it.
Takes you to a screen of information about our different providers.
Certificate Number Required:  
Some Policies are not Renewable
Links for:
Download Visa Letter
View SampleM
You can only Correct typing mistakes not replace one name with another name.
Enter the Corrected Name:  
Enter the Corrected Address:  
Resident's Name:  
Address:  
City:  
State:    Zip:  
Corrected Date of Birth:      
Enter the Corrected Passport Number:  
Enter the Corrected Phone Number:  
Enter the Corrected Email Address:  
After the effective date it is not possible to change the Policy Maximum.
Before the effective date, you can change the policy maximum. Simply cancel the one you currenty have and purchase new one.
Change Policy Maximum:  
I authorize IMG (or HCCMIS, Seven Corners, TIS or Global Underwriters) to charge the difference to my credit card. (Or please give me the credit for the difference in premium.)
The text here was copied from the site Kristen pointed out. Possibly we should put in our own text.
Enter your New Address:  
Resident's Name:  
Address:  
City:    State:    Zip:  
After the effective date it is not possible to change the Policy Deductible.
Before the effective date, simply cancel the one you currenty have and purchase new one.
Check the New Deductible:   0   100:   250:   500:   1000:   2500:   5000: 
I authorize IMG (or HCCMIS, Seven Corners, TIS or Global Underwriters) to charge the difference to my credit card. (Or please give me the credit for the difference in premium.)
The text here was copied from the site Kristen pointed out. Possibly we should put in our own text.
After the effective date it is not possible to make this type of change.
Before the effective date, simply cancel the one you currenty have and purchase new one.
Check the Yes box to Change to Comprehensive:   Yes:  
I authorize IMG (or HCCMIS, Seven Corners, TIS or Global Underwriters) to charge the difference to my credit card. (Or please give me the credit for the difference in premium.)
The text here was copied from the site Kristen pointed out. Possibly we should put in our own text.
After the effective date it is not possible to make this type of change.
Before the effective date, simply cancel the one you currenty have and purchase new one.
Check the Yes box to Change to Fixed:   Yes:  
I authorize IMG (or HCCMIS, Seven Corners, TIS or Global Underwriters) to charge the difference to my credit card. (Or please give me the credit for the difference in premium.)
The text here was copied from the site Kristen pointed out. Possibly we should put in our own text.
 
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Getting the most from your insurance coverage

Thank you for your cooperation in using the precertification process administered by International Medical Group®, Inc. (IMG®) and implemented by its subsidiary, Akeso Care ManagementSM, Inc. (ACMSM). This pamphlet contains important information regarding this process. Please review this material carefully, and should you have questions, please contact us. IMG appreciates your business and strives to make the medical process a smooth one for you.

Under the Terms of your insurance plan, precertification is only a determination of Medical Necessity, and all such determinations are made in reliance on the completeness and accuracy of the information provided by you and your healthcare providers at the time of precertification. In your Certificate, the Company has reserved the right to challenge or revoke ACM's determination of Medical Necessity based upon subsequent information obtained. Please review your Certificate wording for details.

A treatment, service, medicine or supply is "Medically Necessary" when it is deemed by IMG to be necessary and appropriate for the diagnosis or treatment of an Illness or Injury based on generally accepted standards of current medical practice. A service, treatment, medicine or supply will not be considered a Medical Necessity if it is provided or obtained only as a convenience to you or your provider; if it is not necessary or appropriate for your treatment, diagnosis or symptoms; or if it exceeds (in scope, duration or intensity) the level of care which is needed to provide safe, adequate, and appropriate diagnosis or treatment.

Please be advised that precertification is neither an assurance or authorization of coverage, a verification of eligible benefits, or a guaranty of payment, nor is it a denial of such matters. IMG's consideration and/or approval of your precertification request, as well as all medical claims submitted in connection therewith, remain subject to all Terms of your Certificate, including exclusions for pre-existing conditions and other designated exclusions, benefit limitations, and the requirement that claims be Usual, Reasonable and Customary. Also, the approval of your precertification request should not be considered as the Company's, IMG's or ACM's approval or authorization of, recommendation for, or consent to any diagnosis or proposed course of treatment. Neither the Company, IMG nor ACM has any authority or obligation to select Physicians, Hospitals, or other healthcare providers for you as the Insured Person, or to make any diagnosis or medical treatment decisions on your behalf, and all such decisions must be made solely and exclusively by you and/or your family members or guardians, treating Physicians, and other healthcare providers.

If you and your healthcare providers comply with the precertification requirements of your insurance Certificate, and the treatment, services or supplies are precertified by ACM as Medically Necessary, the Company will reimburse the Insured Person for Eligible Medical Expenses relating thereto subject to all Terms of the Master Policy and the Certificate.

As a utilization review company, ACM has no authority or ability to verify coverages or available benefits, which is the responsibility of you and your providers. If a precertification request is made by telephone, ACM either transferred the caller to or received the caller from the Plan Administrator's Verification of Benefits Department (IMG is the Plan Administrator). However, if a precertification request is received outside normal business hours, the caller will be provided a telephone number to call the next business day to verify coverages and available benefits.

The Plan Administrator will make every attempt to help you and your providers understand the status, scope and extent of available benefits and coverages as outlined in your Certificate. However, no statement made by any employee or representative of the Company, the Plan Administrator or ACM will be deemed or construed as an estoppel or to create any liability against the Company, the Plan Administrator or ACM, or be deemed or construed to bind such entities or to modify, extend or amend the Terms of the Master Policy or the Certificate, unless expressly set forth in writing.

If a definite answer to a specific benefits or coverage question is required for your or your provider's reliance or for any other reason, you or your provider may submit a written request to IMG as the Plan Administrator, including all pertinent medical information and a statement from the attending Physician (if applicable), and a written reply will be sent by IMG on behalf of the Company and kept on file.

If IMG on behalf of the Company elects to verify generally and/or preliminarily to a provider or the Insured Person that a diagnosis, condition or proposed treatment is or may be covered, or that benefits are or may be available as outlined in the insurance Certificate, such verification of benefits does not guaranty either payment or reimbursement of benefits or the amount or eligibility of benefits. Final eligibility determinations, coverage decisions, and actual reimbursement or payment of claims or benefits can only be determined and adjudicated after a proper and complete Proof of Claim is timely submitted, an opportunity for reasonable investigation is provided, requested cooperation is received, and all facts are presented to the Plan Administrator in writing. The Terms of the Master Policy and the Certificate of insurance govern all available coverages, eligibility, and payments made or to be made.

As used herein, the terms Certificate, Company, Eligible Medical Expenses, Hospital, Illness, Injury, Insured Person, Master Policy, Medical Necessity (Medically Necessary), Physician, Plan Administrator, Proof of Claim, Terms, and Usual, Reasonable and Customary shall have the respective meanings and definitions ascribed to them in the applicable policy or certificate wording (available to any insured or provider upon request).

Thank you again for your participation and cooperation in the precertification process. Please feel free to contact us should you have any questions, comments, or concerns.

©2004 International Medical Group, Inc.
All rights reserved. (Updated 10/04)