Kimber Health by NYWPG · Underwritten in partnership with IMG (International Medical Group)
Overview
Student Journey Medical Insurance is a medical insurance plan for international students and scholars studying in the U.S. It is designed to bring international students Global Peace of Mind while they are away from their home country, offering cross-border medical coverage, emergency support, and access to a large U.S. provider network.
The IMG Advantage
IMG's focus on Service, Strength, and Safety Solutions provides Global Peace of Mind.
Service — Help when and where you need it
IMG's expert staff is available 24/7 and is accustomed to working across multiple time zones, languages, and currencies, including in remote and hazardous locations. IMG's international and U.S. provider networks include more than one million physicians and facilities across the globe. Claims, account management, and provider search are available anytime through the online portal and mobile app.
Strength — A market leader you can trust
IMG has served millions of customers worldwide since 1990. IMG is owned by SiriusPoint, a multi-billion-dollar insurance industry leader rated "A-" by A.M. Best, an independent analyst of the insurance industry. IMG's customers range from Fortune 500 companies and universities to individuals and other insurance companies.
Safety Solutions — Products and services designed with your safety in mind
- Physical Health: Cross-border medical coverage for unexpected medical care and routine visits.
- Crisis Support: A multilingual staff of nurses, doctors, and case managers provides 24/7 assistance for urgent and emergency situations, including evacuations or search and rescue missions.
- Mental Wellness: Access to mental health services, including virtual counseling, to help with the transition of studying abroad.
- Financial Protection: Access to IMG's international physician and provider networks and pharmacy discount programs to help reduce out-of-pocket medical expenses and prescription costs.
Why Student Journey Medical Insurance?
International students in the U.S. may need their own health insurance in place before they can enroll or apply for a visa. Some universities have mandatory group health insurance plans, while others allow students to supply their own insurance as long as it meets benefit requirements. Student Journey Medical Insurance offers three plan options, each designed to suit different medical and budgetary needs, backed by the customer care and support of IMG's multilingual specialists.
Plan Highlights
- Meets U.S. and U.S. territories J1 visa requirements, as well as most university requirements for F1 and M1 visa holders
- Three plan levels to choose from: Lite, Plus, and Platinum
- Telehealth provides 24/7 access to a national network of board-certified medical professionals in the U.S.
- Optional Adventure Sports coverage
- Emergency care and support benefits
- Can be purchased for up to a 12-month period
- Can be extended to include partners and children
Summary of Benefits
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary Limits per Period of Coverage unless stated as Maximum Limit. In-Network: INN. Out-of-Network: OON.
| Benefit | Student Journey Lite | Student Journey Plus | Student Journey Platinum |
| Period of Coverage | Min: 30 days / Max: 12 months | Min: 30 days / Max: 12 months | Min: 30 days / Max: 12 months |
| Maximum Limit | $400,000 | Unlimited | Unlimited |
| Per Illness or Injury Limit | $150,000 | $300,000 | $500,000 |
| Deductible | $100 per injury or illness | $500 per period of coverage INN / $750 OON | $250 per period of coverage INN / $400 OON |
| Student Health Center Deductible/Copay | $45 | $25 | $15 |
| Pre-Existing Conditions | Covered after 6 months | Covered after 6 months | Covered after 6 months |
| Network | United Healthcare | United Healthcare | United Healthcare |
Inpatient / Outpatient Services
| Benefit | Student Journey Lite | Student Journey Plus | Student Journey Platinum |
| Eligible Medical Expenses | 100% | 80% INN / 60% OON | 80% INN / 60% OON |
| Physician / Specialist Visit | $50 per visit, 1 visit/day, 30-day max | $40 copay ($50 specialist) | $15 copay ($50 specialist) |
| Urgent Care Clinic | 100% | 80% INN / 60% OON, $50 copay, not subject to deductible | 80% INN / 60% OON, $50 copay, not subject to deductible |
| Walk-in Clinic | 100% | 80% INN / 60% OON | 80% INN / 60% OON |
| Telehealth Consultation | Included | Included | Included |
| Hospital Emergency Room | 80%; $350 illness deductible if not admitted | $350 illness deductible if not admitted | $300 illness deductible if not admitted |
| Hospitalization / Room & Board | $1,000/day, 30-day max | $350 deductible per confinement (in addition to plan deductible) | $300 deductible per confinement (in addition to plan deductible) |
| Intensive Care | $1,525/day, 8-day max | 80% INN / 60% OON | 80% INN / 60% OON |
| Hospital Miscellaneous Expenses | $500/day, 30-day max | 80% INN / 60% OON | 80% INN / 60% OON |
| Scheduled Outpatient / Day Surgery | $1,000 max | 80% INN / 60% OON | 80% INN / 60% OON |
| Outpatient Diagnostic Lab / X-ray | $500/exam + $350 for CT/PET/MRI | $30 copay/day incl. interpretation | $30 copay/day incl. interpretation |
| Outpatient Diagnostic Radiology | $500/exam + $350 for CT/PET/MRI | $100 copay/day incl. interpretation | $100 copay/day incl. interpretation |
| Radiation/Chemotherapy | $1,000 max (inpatient + outpatient combined) | 80% INN / 60% OON | 80% INN / 60% OON |
| Pre-Admission Testing | $900 max | 80% INN / 60% OON | 80% INN / 60% OON |
| Surgeon | $3,000 max | 80% INN / 60% OON | 80% INN / 60% OON |
| Assistant Surgeon | 25% of surgeon's payable benefit | 25% of surgeon's payable benefit | 25% of surgeon's payable benefit |
| Inpatient/Outpatient Anesthesia | 100% | 100% | 100% |
| Durable Medical Equipment | $1,000 max | 80% INN / 60% OON | 80% INN / 60% OON |
| Chiropractic Care | Included (medical order/treatment plan required) | Included (medical order/treatment plan required) | Included (medical order/treatment plan required) |
| Outpatient Physical Therapy | $35/visit, 1/day, 12-visit max | $30 copay/visit, 1/day, 12-visit max | $30 copay/visit, 1/day, 12-visit max |
| Take-Home Prescription Drugs | $100/prescription, 30-day dispensing max | 70% OON, 30-day dispensing max | 80% OON, 30-day dispensing max |
| Outpatient Mental/Nervous/Substance Abuse | 80% up to 40 visits or $5,000 max/policy period | $50 copay up to $150/session | $50 copay up to $150/session |
| Newborn Care | $500 max | $500 max | $500 max |
| Maternity | $5,000 normal delivery / $7,500 C-section | 80% INN / 60% OON | 80% INN / 60% OON |
| Preventative Care Immunizations | N/A | N/A | $200 |
Additional Benefits
| Benefit | Student Journey Lite | Student Journey Plus | Student Journey Platinum |
| Emergency Local Ambulance | $400 | 100% | 100% |
| Emergency Medical Evacuation | $60,000 | $120,000 | Unlimited |
| Interfacility Ambulance Transfer | $400 | 100% | 100% |
| Repatriation for Medical Treatment | $25,000 | $50,000 | $50,000 |
| Return of Mortal Remains | $50,000 (local burial/cremation max $5,000) | $60,000 (local burial/cremation max $5,000) | Unlimited (local burial/cremation max $5,000) |
| Inpatient Mental/Nervous/Substance Abuse | 80% up to 30 days max | 80% INN / 60% OON | 80% INN / 60% OON |
Accidental Death & Dismemberment
Principal Sum Maximum: $10,000. Death must occur within 90 days of the accident. Accidental Death pays 100% of the Principal Sum.
| Loss | Percent of Principal Sum |
| Sight of 1 eye | 50% |
| 1 hand or 1 foot | 50% |
| 1 hand and loss of sight of 1 eye | 100% |
| 1 foot and loss of sight of 1 eye | 100% |
| 1 hand and 1 foot | 100% |
| Both hands or both feet | 100% |
| Sight of both eyes | 100% |
Dental Benefits
| Benefit | Student Journey Lite | Student Journey Plus | Student Journey Platinum |
| Dental Treatment (unexpected pain or accident) | $500 max | $500 max | $500 max |
| Traumatic Dental Injury | 100% (at a hospital facility, subject to sub-limits/deductible/coinsurance/copay) | 80% INN / 60% OON (at a hospital facility, subject to sub-limits/deductible/coinsurance/copay) | 80% INN / 60% OON (at a hospital facility, subject to sub-limits/deductible/coinsurance/copay) |
Available with Your Student Journey Plan
Telehealth
Telehealth provides access to a national network of board-certified doctors and pediatricians in the U.S., available 24 hours a day, 7 days a week, 365 days a year, to help diagnose, treat, and prescribe medication (when necessary and available) for non-emergent medical issues via phone or online video consultation. Telehealth does not replace an existing primary care physician relationship, but supplements it as a convenient, affordable alternative for non-emergency medical care. Use of telehealth services is considered treatment inside the U.S. PPO Network.
Telehealth will not support a diagnosis for Mental or Nervous Disorders. Coverage for a telehealth consultation is not a determination that any specific condition discussed, raised, or identified during the consultation is covered under this insurance. IMG reserves the right to decline future claims relating to or arising from any condition discussed, raised, or identified during a telehealth consultation where the illness or injury is directly or indirectly related to any pre-existing condition or is otherwise excluded under the policy.
Optional Adventure Sports Rider
The Adventure Sports Rider is available on the Student Journey Medical Insurance plan for individuals and their dependents up to age 65. Certain activities designated as adventure sports can be covered up to the maximum limits below. Certain activities are never covered, regardless of whether the rider is purchased. A sample rider listing all covered adventure sports activities can be provided upon request.
| Age | Maximum Limit |
| Through age 49 | $50,000 |
| 50–59 | $30,000 |
| 60–64 | $15,000 |
Plan Information
Eligibility
To be eligible to apply for Student Journey Medical Insurance, an applicant must:
- Be a non-U.S. individual coming to the USA (or its territories) on a J1, F1, or M1 visa
- Be the spouse or child (eligible as a dependent) of a participant and reside outside their primary country of residence for a temporary period of time
- Be at least 31 days old but not yet 65 years old
- Be physically and legally residing in the USA with the intent to reside there for at least 30 days on the effective date
Enrollment Process
Applicants apply online for the time period they and/or their partner and dependents require coverage. Online applications are processed instantly, and coverage can become effective as soon as the next day. Eligible individuals listed on the application and for whom premiums have been paid will be covered from the latest of the following dates:
- The date IMG approves the completed application and receives the appropriate premium
- The date the applicant departs from their country of residence
- The date requested on the application
Eligible individuals may pay their rates on a monthly basis but will incur a 4 percent administration fee.
Fulfillment Kits
IMG processes applications instantly and emails the fulfillment kit(s) to the email address listed on the application. The fulfillment kit includes an IMG identification card and the insurance certificate, which provides a complete description of the rights and benefits under the contract. This information is also accessible from the IMG website.
Conditions of Coverage
- Coverage and benefits are subject to the deductible, limits, and coinsurance, and all terms of the certificate of insurance and master policy and all governing documents, as summarized in the certificate of insurance.
- Coverage under a Student Journey Medical Insurance plan is secondary to any other coverage.
- Coverage and benefits are for eligible medical expenses which are medically necessary and usual, reasonable, and customary.
- Charges must be administered or ordered by a licensed physician.
- Charges must be incurred during the period of coverage.
How Does the U.S. Affordable Care Act (ACA) Affect Coverage?
Non-U.S. citizens — as non-resident aliens, international students, or scholars on J, F, or M visas (and certain family members) — are not subject to the individual mandate for their first five years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate if they have been in the U.S. for two of the past six years. Since international students are not subject to the mandate, they are not required to purchase a plan that meets ACA requirements and can purchase Student Journey Medical Insurance.
This insurance is not subject to, and does not provide the benefits required by, the ACA. For information on whether the ACA applies to a given applicant, or whether they are eligible to purchase Student Journey Medical Insurance, refer to IMG's Frequently Asked Questions at imglobal.com/en/client-resources/PPACA-FAQ.aspx. This brochure is intended to convey general information only and does not provide legal advice or opinions.
Claims Procedure
Precertification
Certain treatment and supplies — including hospital admission, inpatient or outpatient surgery, and other procedures noted in the certificate wording — must be precertified for medical necessity. This means the insured person or their attending physician must communicate with an IMG representative at the number listed on the IMG ID card prior to admission to a hospital, before receiving certain treatments and supplies, or before a surgery is performed. In case of an emergency admission, precertification must be made within 48 hours of admission, or as soon as reasonably possible. If a hospital admission or surgery is not precertified, eligible claims and expenses will be reduced by 50 percent.
Precertification is only a determination of medical necessity — not an assurance of coverage, verification of benefits, or a guaranty of payment. All medical expenses eligible for reimbursement must be medically necessary and will be paid or reimbursed at usual, reasonable, and customary rates.
Contact IMG at +1.317.655.4500 or precertification@imglobal.com. Private information should always be sent in a secure manner.
The precertification process can also be started through MyIMG or the Client Resources section of imglobal.com. The utilization management and review team normally responds to the insured person or provider within 2 business days. This online service only initiates the process for treatment and supplies outlined in the contract — it should not be used to request precertification for emergency admissions, procedures, or evacuations.
How to File a Claim
If a provider does not submit a claim on the insured's behalf, the fastest and most convenient way to submit a claim is through the online customer portal, MyIMG. First-time users should follow these steps to register:
- Go to imglobal.com/member and click “Create an Account”
- On the next screen, enter your Certificate, Policy Number, or Insured/Member ID, and click “Continue”
- Once the system verifies this information, follow the remaining steps to complete registration
Once a MyIMG account has been created, follow these steps to submit a claim:
- Log in to the MyIMG portal and click “Claims”
- In the drop-down menu, click “My Claims”
- On the next screen, select the policy or certificate, click “Submit New Claim,” and follow the prompts to complete the submission
Self-Service Member Portal
Along with filing claims online, MyIMG provides service at the member's fingertips, giving access to the information and tools needed to manage IMG plans anytime, anywhere. This includes 24/7/365 service centers, plan document access, claims management tools, Explanations of Benefits, and more.
U.S. Network Access
UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest provider networks in the U.S., including:
- Over 1.4M physicians
- 6,797 hospitals
- Over 45,000 clinics
- 67,000 pharmacies
- 1,800 convenience clinics
Benefits are subject to exclusions and limitations. This article is only a summary and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Certain contracts contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition. Source: Kimber Health / IMG Student Journey Medical Insurance brochure (imglobal.com). © 2007-2024 International Medical Group, Inc. All rights reserved. UnitedHealthcare is a registered trademark of UnitedHealth Group.