MP+ International

Feb 16, 2017, 14:15 PM

Title : MP+ International

Subtitle : Worldwide employer-sponsored group health insurance for mission groups

Short Title :

Other plans summary : Worldwide employer-sponsored group health insurance for mission groups.

Plan type class : plan_type__mission plan_type__business plan_type__expat plan_type__international_health

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Quote button 1 text : Group Proposal

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Most popular : No

Recommended : No

Medical Coverage - not used : 4

Ranking - Price - Not Used : 4

Sort order : 180

Employer-sponsored group health insurance for mission groups of two or more.

MP+International® was designed to provide medical insurance to missionary groups by offering continuous coverage while overseas. We recognize that nowhere are stable premiums more important than within the missionary community. Our attention to this fact begins with our unique plan design. MP+International offers a wide range of worldwide benefits that follow missionaries wherever they go. At the same time, it is designed to encourage them to receive medical care overseas when feasible, where the cost of medical care is comparatively less expensive than in the U.S. Combined with other cutting-edge services like our Medical Travel Management program, MP+International benefits and services are positioned to help you and your members take more control of your health care costs, which lends itself to greater premium stability.

Highlights

Worldwide employer-sponsored group health insurance for mission groups
Unique plan features that promote premium stability
Continuous coverage overseas and while on furlough
Direct billing to overseas medical providers

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
U.S. Hospital Emergency Room Injury	Not subject to emergency room deductible
U.S. Hospital Emergency Room Illness	Subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission
International Hospital Emergency Room	Company pays 100%
Coinsurance per Calendar Year	For Treatment received outside of the U.S.: 0% U.S. Treatment: Inside the PPO Network: Member pays 20% of eligible medical expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider: Member pays 15% of eligible medical expenses until reaching $5,000, then 0% Outside the PPO Network: Member pays 40% of eligible medical expenses until reaching $5,000, then 0%
Eligible Medical Expenses	Up to the maximum limit. The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
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: Member pays 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 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	Member pays 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
Adult or Child Preventative Care	Up to $1,000 per calendar year. Not subject to deductible or coinsurance
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
Outpatient Physician/ Specialist Visit (Office Visit Charge Only)	$25 copay within the U.S. PPO network
Physician Visits/Services	Subject to deductible and coinsurance
Inter Facility Ambulance Transfer	Must be the result of an inpatient hospital admission Not subject to deductible and coinsurance
Pregnancy and Newborn Care	Result of natural insemination. Dependent child’s pregnancy not covered Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life. Subject to deductible and coinsurance
Pregnancy Complications	Subject to deductible and coinsurance
Sleep Disorders	Up to $2,500 sleep aid per person per calendar year
Attention-Deficit / Hyperactivity Disorder (ADHD) Treatment	Maximum Limit: $2,500 Excludes prescription drugs Dependent Children under age 26
Prescription and Medication	$250,000 limit per person annually Subject to deductible and coinsurance Outside the U.S.: Covered at 100% Inside the U.S.: Must utilize the Universal Rx card Copay (per 30-day supply): Tier 1 - $15; Tier 2 - $30; Tier 3 - $60 Maximum limit of 90-day supply per prescription Not subject to deductible and coinsurance Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Any drug prescribed for usage that is directly or indirectly associated to an exclusion in this Certificate of Insurance may also be subject to Pre-Authorization Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) Expatriate Prescription Services Program: Maximum limit of 180-day supply per prescription Copayments are per 30-day supply Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) – only for dependent children, not adults
Special Drug Copayments Applies to United States Retail Pharmacy Copayments are per 30-day supply unless otherwise indicated Dispensing maximum: 90 days	Insulin Copayment: $25 Insulin Supplies Copayment: $100 Epinephrine Autoinjector Copayment: $25 for 2 pack Anti-diabetic Drugs Copayment: $150
Remote Medical Travel Benefit	$2,500 Maximum Per Period of Coverage

Benefits only available with purchase of MP+ International Assistance Services

Emergency Hospital Admission Direct Transfer from Emergency Medical Evacuation	$20,000 maximum limit The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
Emergency Reunion	Maximum limit: $15,000 Day maximum: 15 Meal maximum per day: $25 Reasonable and necessary travel costs and accommodations Approved in advance by the company

Made for...

Mission / Social Good
Employers / Business Travelers
Expats / Global Citizens

personas :

Business
Expat
Mission

Tags :

MP+ International

Categories :

Employer / Business Traveler
Expat / Global Citizen
International Health Insurance
Mission / Social Good

MP+ International Brochure

Related pages : MP+ International Proposal

Group Quote :

Platinum Quote :

Platinum Group Quote :

Product Overview Page : MP+ International

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Policy Wording :

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MP+ International

Feb 16, 2017, 14:15 PM

Title : MP+ International

Subtitle : Worldwide employer-sponsored group health insurance for mission groups

Short Title :

Other plans summary : Worldwide employer-sponsored group health insurance for mission groups.

Plan type class : plan_type__mission plan_type__business plan_type__expat plan_type__international_health

Hero quote 1 text :

Hero quote 2 text :

Quote button 1 text : Group Proposal

Quote button 2 text :

Quote button 3 text :

Quote button 4 text :

Most popular : No

Recommended : No

Medical Coverage - not used : 4

Ranking - Price - Not Used : 4

Sort order : 180

Employer-sponsored group health insurance for mission groups of two or more.

Highlights

Worldwide employer-sponsored group health insurance for mission groups
Unique plan features that promote premium stability
Continuous coverage overseas and while on furlough
Direct billing to overseas medical providers

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
U.S. Hospital Emergency Room Injury	Not subject to emergency room deductible
U.S. Hospital Emergency Room Illness	Subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission
International Hospital Emergency Room	Company pays 100%
Coinsurance per Calendar Year	For Treatment received outside of the U.S.: 0% U.S. Treatment: Inside the PPO Network: Member pays 20% of eligible medical expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider: Member pays 15% of eligible medical expenses until reaching $5,000, then 0% Outside the PPO Network: Member pays 40% of eligible medical expenses until reaching $5,000, then 0%
Eligible Medical Expenses	Up to the maximum limit. The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
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: Member pays 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 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	Member pays 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
Adult or Child Preventative Care	Up to $1,000 per calendar year. Not subject to deductible or coinsurance
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
Outpatient Physician/ Specialist Visit (Office Visit Charge Only)	$25 copay within the U.S. PPO network
Physician Visits/Services	Subject to deductible and coinsurance
Inter Facility Ambulance Transfer	Must be the result of an inpatient hospital admission Not subject to deductible and coinsurance
Pregnancy and Newborn Care	Result of natural insemination. Dependent child’s pregnancy not covered Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life. Subject to deductible and coinsurance
Pregnancy Complications	Subject to deductible and coinsurance
Sleep Disorders	Up to $2,500 sleep aid per person per calendar year
Attention-Deficit / Hyperactivity Disorder (ADHD) Treatment	Maximum Limit: $2,500 Excludes prescription drugs Dependent Children under age 26
Prescription and Medication	$250,000 limit per person annually Subject to deductible and coinsurance Outside the U.S.: Covered at 100% Inside the U.S.: Must utilize the Universal Rx card Copay (per 30-day supply): Tier 1 - $15; Tier 2 - $30; Tier 3 - $60 Maximum limit of 90-day supply per prescription Not subject to deductible and coinsurance Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Any drug prescribed for usage that is directly or indirectly associated to an exclusion in this Certificate of Insurance may also be subject to Pre-Authorization Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) Expatriate Prescription Services Program: Maximum limit of 180-day supply per prescription Copayments are per 30-day supply Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) – only for dependent children, not adults
Special Drug Copayments Applies to United States Retail Pharmacy Copayments are per 30-day supply unless otherwise indicated Dispensing maximum: 90 days	Insulin Copayment: $25 Insulin Supplies Copayment: $100 Epinephrine Autoinjector Copayment: $25 for 2 pack Anti-diabetic Drugs Copayment: $150
Remote Medical Travel Benefit	$2,500 Maximum Per Period of Coverage

Benefits only available with purchase of MP+ International Assistance Services

Emergency Hospital Admission Direct Transfer from Emergency Medical Evacuation	$20,000 maximum limit The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
Emergency Reunion	Maximum limit: $15,000 Day maximum: 15 Meal maximum per day: $25 Reasonable and necessary travel costs and accommodations Approved in advance by the company

Made for...

Mission / Social Good
Employers / Business Travelers
Expats / Global Citizens

personas :

Business
Expat
Mission

Tags :

MP+ International

Categories :

Employer / Business Traveler
Expat / Global Citizen
International Health Insurance
Mission / Social Good

MP+ International Brochure

Related pages : MP+ International Proposal

Group Quote :

Platinum Quote :

Platinum Group Quote :

Product Overview Page : MP+ International

Breadcrumb Page :

Policy Wording :

Policy Wording 2 :

Policy Wording 3 :

Policy Wording 4 :

MP+ International

Feb 16, 2017, 14:15 PM

Title : MP+ International

Subtitle : Worldwide employer-sponsored group health insurance for mission groups

Short Title :

Other plans summary : Worldwide employer-sponsored group health insurance for mission groups.

Plan type class : plan_type__mission plan_type__business plan_type__expat plan_type__international_health

Hero quote 1 text :

Hero quote 2 text :

Quote button 1 text : Group Proposal

Quote button 2 text :

Quote button 3 text :

Quote button 4 text :

Most popular : No

Recommended : No

Medical Coverage - not used : 4

Ranking - Price - Not Used : 4

Sort order : 180

Employer-sponsored group health insurance for mission groups of two or more.

Highlights

Worldwide employer-sponsored group health insurance for mission groups
Unique plan features that promote premium stability
Continuous coverage overseas and while on furlough
Direct billing to overseas medical providers

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
U.S. Hospital Emergency Room Injury	Not subject to emergency room deductible
U.S. Hospital Emergency Room Illness	Subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission
International Hospital Emergency Room	Company pays 100%
Coinsurance per Calendar Year	For Treatment received outside of the U.S.: 0% U.S. Treatment: Inside the PPO Network: Member pays 20% of eligible medical expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider: Member pays 15% of eligible medical expenses until reaching $5,000, then 0% Outside the PPO Network: Member pays 40% of eligible medical expenses until reaching $5,000, then 0%
Eligible Medical Expenses	Up to the maximum limit. The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
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: Member pays 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 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	Member pays 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
Adult or Child Preventative Care	Up to $1,000 per calendar year. Not subject to deductible or coinsurance
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
Outpatient Physician/ Specialist Visit (Office Visit Charge Only)	$25 copay within the U.S. PPO network
Physician Visits/Services	Subject to deductible and coinsurance
Inter Facility Ambulance Transfer	Must be the result of an inpatient hospital admission Not subject to deductible and coinsurance
Pregnancy and Newborn Care	Result of natural insemination. Dependent child’s pregnancy not covered Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life. Subject to deductible and coinsurance
Pregnancy Complications	Subject to deductible and coinsurance
Sleep Disorders	Up to $2,500 sleep aid per person per calendar year
Attention-Deficit / Hyperactivity Disorder (ADHD) Treatment	Maximum Limit: $2,500 Excludes prescription drugs Dependent Children under age 26
Prescription and Medication	$250,000 limit per person annually Subject to deductible and coinsurance Outside the U.S.: Covered at 100% Inside the U.S.: Must utilize the Universal Rx card Copay (per 30-day supply): Tier 1 - $15; Tier 2 - $30; Tier 3 - $60 Maximum limit of 90-day supply per prescription Not subject to deductible and coinsurance Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Any drug prescribed for usage that is directly or indirectly associated to an exclusion in this Certificate of Insurance may also be subject to Pre-Authorization Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) Expatriate Prescription Services Program: Maximum limit of 180-day supply per prescription Copayments are per 30-day supply Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) – only for dependent children, not adults
Special Drug Copayments Applies to United States Retail Pharmacy Copayments are per 30-day supply unless otherwise indicated Dispensing maximum: 90 days	Insulin Copayment: $25 Insulin Supplies Copayment: $100 Epinephrine Autoinjector Copayment: $25 for 2 pack Anti-diabetic Drugs Copayment: $150
Remote Medical Travel Benefit	$2,500 Maximum Per Period of Coverage

Benefits only available with purchase of MP+ International Assistance Services

Emergency Hospital Admission Direct Transfer from Emergency Medical Evacuation	$20,000 maximum limit The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
Emergency Reunion	Maximum limit: $15,000 Day maximum: 15 Meal maximum per day: $25 Reasonable and necessary travel costs and accommodations Approved in advance by the company

Made for...

Mission / Social Good
Employers / Business Travelers
Expats / Global Citizens

personas :

Business
Expat
Mission

Tags :

MP+ International

Categories :

Employer / Business Traveler
Expat / Global Citizen
International Health Insurance
Mission / Social Good

MP+ International Brochure

Related pages : MP+ International Proposal

Group Quote :

Platinum Quote :

Platinum Group Quote :

Product Overview Page : MP+ International

Breadcrumb Page :

Policy Wording :

Policy Wording 2 :

Policy Wording 3 :

Policy Wording 4 :

MP+ International

Feb 16, 2017, 14:15 PM

Title : MP+ International

Subtitle : Worldwide employer-sponsored group health insurance for mission groups

Short Title :

Other plans summary : Worldwide employer-sponsored group health insurance for mission groups.

Plan type class : plan_type__mission plan_type__business plan_type__expat plan_type__international_health

Hero quote 1 text :

Hero quote 2 text :

Quote button 1 text : Group Proposal

Quote button 2 text :

Quote button 3 text :

Quote button 4 text :

Most popular : No

Recommended : No

Medical Coverage - not used : 4

Ranking - Price - Not Used : 4

Sort order : 180

Employer-sponsored group health insurance for mission groups of two or more.

Highlights

Worldwide employer-sponsored group health insurance for mission groups
Unique plan features that promote premium stability
Continuous coverage overseas and while on furlough
Direct billing to overseas medical providers

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
U.S. Hospital Emergency Room Injury	Not subject to emergency room deductible
U.S. Hospital Emergency Room Illness	Subject to a $250 deductible for each emergency room visit for treatment that does not result in a direct hospital admission
International Hospital Emergency Room	Company pays 100%
Coinsurance per Calendar Year	For Treatment received outside of the U.S.: 0% U.S. Treatment: Inside the PPO Network: Member pays 20% of eligible medical expenses until reaching $5,000, then 0% Utilizing Medical Concierge Provider: Member pays 15% of eligible medical expenses until reaching $5,000, then 0% Outside the PPO Network: Member pays 40% of eligible medical expenses until reaching $5,000, then 0%
Eligible Medical Expenses	Up to the maximum limit. The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
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: Member pays 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 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	Member pays 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
Adult or Child Preventative Care	Up to $1,000 per calendar year. Not subject to deductible or coinsurance
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
Outpatient Physician/ Specialist Visit (Office Visit Charge Only)	$25 copay within the U.S. PPO network
Physician Visits/Services	Subject to deductible and coinsurance
Inter Facility Ambulance Transfer	Must be the result of an inpatient hospital admission Not subject to deductible and coinsurance
Pregnancy and Newborn Care	Result of natural insemination. Dependent child’s pregnancy not covered Newborn routine care, diagnostic tests, and routine immunizations for the first 31 days of life. Subject to deductible and coinsurance
Pregnancy Complications	Subject to deductible and coinsurance
Sleep Disorders	Up to $2,500 sleep aid per person per calendar year
Attention-Deficit / Hyperactivity Disorder (ADHD) Treatment	Maximum Limit: $2,500 Excludes prescription drugs Dependent Children under age 26
Prescription and Medication	$250,000 limit per person annually Subject to deductible and coinsurance Outside the U.S.: Covered at 100% Inside the U.S.: Must utilize the Universal Rx card Copay (per 30-day supply): Tier 1 - $15; Tier 2 - $30; Tier 3 - $60 Maximum limit of 90-day supply per prescription Not subject to deductible and coinsurance Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Any drug prescribed for usage that is directly or indirectly associated to an exclusion in this Certificate of Insurance may also be subject to Pre-Authorization Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) Expatriate Prescription Services Program: Maximum limit of 180-day supply per prescription Copayments are per 30-day supply Prescriptions $3,000 and higher will require Universal RX (URX) to obtain prior authorization from the company Attention-Deficit / Hyperactivity Disorder (ADHD) Medications for Dependent Children under age 26: Maximum Limit: $2,500 (combined with EPS) – only for dependent children, not adults
Special Drug Copayments Applies to United States Retail Pharmacy Copayments are per 30-day supply unless otherwise indicated Dispensing maximum: 90 days	Insulin Copayment: $25 Insulin Supplies Copayment: $100 Epinephrine Autoinjector Copayment: $25 for 2 pack Anti-diabetic Drugs Copayment: $150
Remote Medical Travel Benefit	$2,500 Maximum Per Period of Coverage

Benefits only available with purchase of MP+ International Assistance Services

Emergency Hospital Admission Direct Transfer from Emergency Medical Evacuation	$20,000 maximum limit The maximum limit is not in addition to any other maximum limit for any other covered illness or injury
Emergency Reunion	Maximum limit: $15,000 Day maximum: 15 Meal maximum per day: $25 Reasonable and necessary travel costs and accommodations Approved in advance by the company

Made for...

Mission / Social Good
Employers / Business Travelers
Expats / Global Citizens

personas :

Business
Expat
Mission

Tags :

MP+ International

Categories :

Employer / Business Traveler
Expat / Global Citizen
International Health Insurance
Mission / Social Good

MP+ International Brochure

Related pages : MP+ International Proposal

Group Quote :

Platinum Quote :

Platinum Group Quote :

Product Overview Page : MP+ International

Breadcrumb Page :

Policy Wording :

Policy Wording 2 :

Policy Wording 3 :

Policy Wording 4 :

Coverage Information

Medical Management

The ability to access quality health care is of paramount importance when a medical emergency arises abroad. From routine medical care to complex case management, from check-ups to emergency medical evacuations, IMG is there to offer our expertise in cost containment and a unique blend of valuable services including:

Medical Claim Review

If your members have received a hospital bill, there is a reasonable bet that they have been overcharged. As reported in the Wall Street Journal, Weekend Investor, 80% of all hospital bills contain errors (February, 2011). Most claim administrators have invested significant amounts of money incorporating claims auditing software in the claims system. IMG takes the claim review process one step further by examining the details behind documents submitted by the medical provider. Our auditors review all medical records to assure that all the services billed were actually delivered and delivered in the quantities billed.

Our goal is to assure that your members only pay for the services that were actually received by the patient.

International Comprehensive Care Management

Our medical staff will help coordinate care for your members who have highly complex cases requiring detailed management. These services may include assisting with:

Concurrent review and monitoring of services for medical necessity
Coordination of the hospitalization and any necessary post-discharge care
Transition of patient to a U.S.-based care manager upon return to the U.S.

International Utilization Management

Utilization Management is the process of determining whether the services delivered or scheduled to be delivered to a patient are medically necessary and appropriate. By using established medical guidelines, evaluation is provided for the medical necessity for hospitalizations and out-patient services and the appropriateness of the overall treatment plan

The key to successfully managing rising health care costs is early identification of catastrophic cases, and then taking action to manage those cases. Precertification is used as a key tool for this early identification of a patient’s entry into the health care system. This allows our medical staff to be proactive in working with both the patient and the providers assuring delivery of health care in the most appropriate and cost-effective manner. Precertification is not a guarantee of payment. It is only a review of medical necessity.

Prior to receiving treatment, members will need to precertify the following procedures to avoid a reduction in benefits:

Chemotherapy
Extended Care Facility
Home Nursing Care
Hospice Care
Inpatient Hospitalization
Interfacility Ambulance Transfer
Radiation Therapy
Surgery or Surgical Procedure
Transplant
Maternity

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"Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."

Joan D. United States

See More Testimonials

"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.

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MP+ International

Highlights

Summary of Benefits

Made for...

MP+ International

Highlights

Summary of Benefits

Made for...

MP+ International

Highlights

Summary of Benefits

Made for...

MP+ International

Highlights

Summary of Benefits

Made for...

Coverage Information

Medical Management

Medical Claim Review

International Comprehensive Care Management

International Utilization Management

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