How to File a Medical Claim - The fastest and most convenient way to submit a medical claim is through our online customer portal, MyIMG. All claims must be filed within 180 days of treatment.

Prior to seeking medical treatment, please read all insurance plan documents provided at the time of enrollment to fully understand your coverage.

In-Network & Direct Billing Providers - When getting medical treatment, we recommend choosing an in-network provider (in the U.S.) or a direct billing provider (outside the U.S.). Depending on your benefits, utilization of in-network and direct billing providers may decrease your out-of-pocket expenses for certain inpatient procedures.

You can find in-network and direct billing providers by using our Find a Doctor Tool.

In-network and direct billing providers will submit your claim directly to IMG on your behalf. You must show your IMG ID card at the time of treatment. The provider will then send you a statement after they submit your claim. In many cases, IMG works directly with the hospital or clinic for payment of eligible medical expenses.

Out-of-Network Providers - If you have received treatment from an out-of-network provider and/or need to be reimbursed for out-of-pocket medical expenses, go to MyIMG to submit your claim. We will reimburse your eligible medical expenses after applying the deductible and coinsurance, subject to the terms of the plan.

Please remember to submit your itemized bills and receipts as soon as you receive them. Do not hold them until the end of the year. For annually renewable plans, IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.

If you are using an out-of-network provider, you must submit a claim for each new onset of an illness or injury. Please note that before you receive any medical treatment (whether inpatient or outpatient), you should submit a precertification request. This process gives IMG knowledge that you are receiving medical treatment and allows us to watch for appropriate billing if a provider is filing on your behalf.

Precertification Requirements - Make sure you understand what services and procedures require precertification prior to treatment so your benefits will not be reduced.

Prior to receiving medical care that requires hospital admission, inpatient or outpatient surgery, or any other procedure mentioned in your policy wording, please be sure to do the following:

If you are receiving care internationally (outside of the U.S.), you are required to complete an online precertification request to verify medical necessity.

If you are receiving care inside of the U.S., you are not required to complete the online precertification form. Instead, please have your doctor/provider contact IMG directly at +1.866.232.8677.

Quick Tips for Quick Claims:

1. Use our Find a Doctor tool to search for in-network and direct billing providers.
2. Present your IMG ID card to all medical providers at the time of treatment.
3. Prior to seeking medical treatment, please read all insurance plan documents provided at the time of enrollment to fully understand your coverage.
4. Make sure you understand what services and procedures require precertification prior to treatment so your benefits will not be reduced.
5. File your claim within 180 days and include all necessary information such as itemized receipts, medical records, and more.
6. Submit your claim once services have been rendered. This will explain to our claims department the history behind your claim submission and other pertinent information required to settle the claim.
7. Include your banking information when submitting your claim. If you do not submit any banking information, or supply incorrect information, resolving your claim will take longer.
8. When submitting prescription drug charges for reimbursement, we require more than a cash register receipt. Please forward information which lists your name, date of service, quantity dispensed, price, prescribing physician, and name of pharmacy.
9. Please remember to submit your original itemized bills and receipts as soon as you receive them. Do not hold them until the end of the year. IMG will apply eligible medical expenses to your deductible and coinsurance throughout the year.
10. Keep copies of all forms submitted to IMG.
11. If you are submitting claims on behalf of a dependent minor child and wish for the reimbursement to be sent to the parent or guardian, that request needs to be added to your claim so special handling may be arranged.

Issues That Could Delay Settling Your Claim:

1. Not providing all the proper documents and information right away.
2. Not completing the claim form in its entirety. Be descriptive regarding services the doctor performed, past medical history, date the condition and/or symptoms were first experienced, and addresses of prior physicians.
3. Not including all medical reports, itemized statements, proof of payment, and other items needed to file a claim.
4. Not providing translations for items not in English. Even though we can process claims in other languages, items requiring translation to English can take longer to complete.
5. Not providing an email address where you can be contacted. Resolution by email is much faster than regular mail.
6. Not providing additional information when requested. If you receive an email stating your claim is pending and additional information is required, promptly log in to MyIMG to provide the necessary documentation to process your claim.