Global Educators Medical (GEM)

Schedule of Benefits

All amounts shown are in U.S. dollars. Click the orange headers for further information.

Plan Information
Coverage Area Worldwide
Maximum Lifetime Benefit Per Person $5,000,000 (Standard)
Deductible (Calendar Year) $100 - $25,000
Family Deductible (Calendar Year) Maximum of three (3) deductibles per family
Deductible Carry Forward
Coinsurance Percentages
Physician Office Services
Hospital Services Subject to deductible and applicable coinsurance
Local Ambulance Subject to deductible and coinsurance for emergency local transport deemed medically necessary
Emergency Medical Evacuation Up to the lifetime maximum benefit per person
Emergency Reunion $10,000 per insured person (return to home country)
Return of Mortal Remains $10,000 per insured person (return to home country)
Maternity Coverage Covered as any other illness Subject to deductible & coinsurance per person
Human Organ Covered Transplants $5,000,000 lifetime maximum inside transplant network facilities per person
Durable Medical Equipment $10,000 (lifetime maximum benefit)
Home Health Care & Extended Care Facility URC up to a maximum of 90 days coverage
Chiropractic Care $30 per visit, maximum of $1,000 per calendar year
Physical Therapy $50 maximum benefit per visit
Prescription Drugs - Mail order and retail pharmacies Usual, reasonable, and customary charges
Supplemental Accident $300 benefit per accident, deductible and coinsurance thereafter
Vision Benefit
Mental/Nervous, Alcohol & Substance Abuse Treatment
Family Counseling $500 lifetime maximum
Bereavement Counseling $100 benefit per person within 6 months of the covered insured person's death
Pre-Admission Certification Failure to pre-certify maternity, admissions, and surgeries could reduce benefits
Complementary Medicine Benefits Failure to pre-certify maternity, admissions, and surgeries could reduce benefits
Hospice Care Up to the lifetime maximum limit

* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants.  These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.