Global Educators Medical (GEM)

Exclusions and Limitations

The following is a summary of services that are not covered under GEM:

  • War and terrorism (limited "innocent bystander" coverage is included under the plan)
  • Treatment, services or supplies that are not administered or ordered by a licensed physician, or services or supplies performed or provided by a relative
  • Treatment, services, or supplies that are not medically necessary or charges that exceed Usual, Reasonable, and Customary charges
  • Surgeries or treatments that are investigational, experimental, or for research purposes
  • Confinement primarily for custodial, educational or rehabilitative care
  • Exercise programs, weight modification or treatment for obesity
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery
  • Treatment for a person who was HIV+ prior to the person's effective date
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
  • Hearing aids, TMJ dysfunction, orthoptics and visual eye training
  • Injury sustained from Hazardous Sports activities
  • Self-inflicted injury or illness, charges resulting from or during the commission of a crime or felony, or injury sustained while under the influence of alcohol or drugs
  • Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy
  • Certain care, treatment or supplies for the feet
  • Care and treatment for hair loss
  • Injury or illness that is covered under workers’ compensation or similar laws

* 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.