MP+ International

Comprehensive worldwide employer-sponsored group health insurance for mission groups

Summary of Benefits

The following benefits are offered to eligible insureds. The plan covers charges for Eligible Medical Expenses within the area of coverage. All amounts shown are in U.S. dollars.

Limit/Other
 
Area of Coverage Worldwide
Maximum Limit per Lifetime $1,000,000 standard, $5,000,000 option available
Deductible per Calendar Year All deductibles apply worldwide and are per Insured person
Family Deductible per Calendar Year Two deductibles per family
Emergency Room Deductible An additional Deductible of $250 will be applied for each emergency room visit for treatment of an Illness which does not result in inpatient status.
Coinsurance per Calendar Year For Treatment received outside of the U.S.: 0%

For Treatment received within the U.S.:
In the PPO Network – 20% of Eligible Medical Expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider – 15% of Eligible Medical Expenses until reaching $5,000, then 0%
Outside the PPO Network – 40% of Eligible Medical Expenses until reaching $5,000, then 0%
Eligible Medical Expenses URC
Hospital Room & Board Up to the average semi-private room rate, including nursing service
Intensive Care Unit Maximum of three times (3x) average semi-private room rate
Mental or Nervous Disorders Outpatient Treatment: 50% of Eligible Medical Expenses and maximum of 40 visits per Insured Person per Calendar Year.
Inpatient Treatment: Maximum of 30 days per Insured Person per Calendar Year
Physical Therapy $2,500 Maximum per Calendar Year
Within the U.S.: Medical order or treatment plan required
Outside of the U.S.: Medical order or treatment plan required only for expenses over $1,000
Chiropractic Care 50% of Eligible Medical Expenses up to $500 Maximum per Calendar Year
Hospice $7,500 lifetime maximum per Insured Person
Home Nursing Care Limited to 30 days per Calendar Year
Extended Care Facility Limited to 60 days per Calendar Year
Podiatry $750 maximum per Calendar Year
Preventative Care Up to $1,000 every 12 months. Not subject to deductible or coinsurance
Prescription Medication Outside of the U.S.: URC
Within the U.S.: Maximum of 90 day supply per prescription when using Universal Rx program along with the following copays: $15/Tier 1, $30/Tier 2, $60/Tier 3
Transplant $500,000 lifetime maximum for covered transplants
Hospital Indemnity Benefit Outside of the U.S.
Private Hospitals: $400 per overnight and $4,000 Maximum per Calendar Year
Public Hospitals: $500 per overnight and $5,000 Maximum per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits
Outpatient Physician/ Specialist Visit Within the U.S. PPO Network, $25 Copay
Within the U.S. outside the PPO and outside of the U.S.: Subject to deductible and coinsurance
Inter-Facility Ambulant Transfer Within the U.S. Outside the PPO Network, Subject to deductible and coinsurance
Maternity and Newborn Care Subject to deductible and coinsurance
Pregnancy Complications Subject to deductible and coinsurance

Schedule of Benefits Plan I Plan II Plan III
Class I, Diagnostic, Preventive (Emergency Palliative Treatment - Not subject to deductible) 100% 100% 100%
Class II, Basic Service, Diagnostic, Preventive (X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia) 80% 80% 80%
Class III, Major Services, Diagnostic, Preventive (Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)) 50% 50% 50%
Orthodontia (Lifetime maximum $1,000) N/A 50% 50%

Group Dental Insurance Plan I Plan II Plan III
Calendar Year Maximum per Person $1,000 $1,000 $1,500
Individual Deductible $50 $50 $50
Family Deductible $150 $150 $150

Exclusions

  • Pre-existing conditions* (Certificate of Credible Coverage will provide credit toward the waiting period for pre-existing medical conditions.)
  • Treatment, services or supplies that are not administered or ordered by a licensed physician
  • Treatment, services, or supplies that are not medically necessary
  • 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
  • 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
  • Elective abortion
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
  • Hearing aids
  • TMJ dysfunction
  • Injury sustained from Hazardous Sports activities
  • Injury sustained while under the influence of alcohol or drugs
  • Self-inflicted injury or illness
  • Charges resulting from or during the commission of a crime or felony
  • Speech, vocational, occupational, biofeedback, recreational, sleep or music therapy
  • Services or supplies performed or provided by a relative
  • Orthoptics and visual eye training
  • Certain care, treatment or supplies for the feet
  • Care and treatment for hair loss
  • Exercise programs

*Pre-existing conditions are defined as medical or health conditions (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or treatment was recommended or received during the six (6) month period ending on the Enrollment Date. Coverage for medical expenses arising from pre-existing conditions will be excluded until the earlier of: a) the date that the number of days, beginning on the Enrollment Date, exceeds 180 days continuously during which no Treatment is sought, recommended or received (including prescription medication or drugs); or (b) the date that the number of days, beginning on the Enrollment Date, exceeds 365 days. (Note: Special provisions may apply to U.S.-based employer groups. Refer to your Certificate Wording for complete details).

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.


Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Employee Life Insurance

Employee Term Life and Accidental Death and Dismemberment benefits are available for $10,000 and greater.Dependent Life Insurance is available as an optional coverage. It provides $10,000 of coverage for the dependent spouse and $5,000 of coverage for each dependent child over the age of six months.

Emergency Medical Evacuation

As an emergency situation arises that local (international) medical care cannot adequately treat, IMG medical staff coordinates all aspects of the medical evacuation. Because each evacuation is unique, a tailored action plan is developed to assure the best medical outcome. Some of those services included in the action plan are:

  • Verification of medical condition and determination that an evacuation is necessary
  • Research and identification of the nearest qualified medical facility to handle the individual medical situation faced by your member
  • Research and coordination of all evacuation transportation options including types and availability of appropriate transportation options, and necessary medical escort personnel
  • Coordination of the patient’s return to the U.S. (if necessary)

An Emergency Reunion Benefit also provides up to $15,000 of coverage toward travel and lodging expenses for a relative of a friend who accompanies a member who is evacuated.

If a covered illness or accident results in death, expenses for the Repatriation of Bodily Remains or ashes to the home country are covered up to $5,000.

Medical Travel Management

Nowhere is an affordable and stable premium more important than within the missionary community. IMG’s cutting-edge services are aimed at providing that needed stability. Claim costs drive premiums. Where your missionaries receive their medical care can, in large part, significantly impact your organization’s claim costs. Encouraging your members to receive their medical care overseas whenever feasible can help you take control and manage your claim costs. As a rule, medical care received in the U.S. will be considerably more costly than the same care received overseas. The more your members receive medical care overseas, the greater the savings in claim cost to your medical plan. The greater the savings, the more stable the premium.

We offer Medical Travel Management, an industry unique benefit designed to assist your members who are considering expensive medical procedures in the U.S. by incentivizing them to consider receiving that care with qualified providers overseas. The value to your medical plan can be quite substantial when thousands of dollars in cost savings can be realized. And the benefit for your members? They are paid a percentage of the realized savings when the cost of the procedure performed in the U.S. is compared to the cost of the same procedure incurred overseas. It’s a win-win situation for everyone!

The entire process is managed and coordinated for the benefit of your members by an experienced Case Manager with the full resources of IMG, including our in-house physician – IMG’s Chief Medical Officer. Your members are presented with their options so they can make an informed decision. Participants are assigned a designated case manager to help with the preparation of their treatment including:

  • Assist in locating an accredited and qualified medical provider(s) to provide the necessary medical services
  • Coordinate the necessary services with the participant and with the medical provider, including patient care, travel, scheduling, and housing
  • Provide assistance with transfer and receipt of medical records before and after the services provided to the participant
  • Provide follow up services to monitor medical needs after return of participant to residence
 

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  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.