| Insurance Provider | IMG (International Medical Group) |
| Medical Provider Network | UnitedHealthcare Options network provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing. Outside of the US you can go to any medical provider and receive the same benefits. |
| Plan Type | Designed specifically for international scholars and students (F1,F2,J1,J2,OPT,M1,M2, and other education or exchange related visa types). Purchase monthly or daily, renewable up to 4 years if initial purchase is 1 month or more. |
| Maximum Benefit | $5,000,000 lifetime. Options $50,000, $100,000, $250,000 or $500,000 per illness/injury |
| Deductible (Insured pays before insurance pays) | Options: $0, $100, $250, or $500 per illness/injury. |
| Student Health Center Copay | $5 copay, no deductible |
| Illness or Injury Coinsurance | In US: In PPO 10% to $1,000 maximum Out of Pocket; Out of PPO 20%. International: No Coinsurance |
| Hospital Room & Board | Average semi-private room |
| Intensive Care | URC(Usual Reasonable and Customary) |
| Mental Health and Substance Abuse | Inpatient $10,000 maximum benefit, Outpatient $500 maximum benefit |
| Emergency Room | Emergency Room: URC for injury or illness resulting in hospitalization. Additional $500 deductible for illness without hospitalization Urgent Care Clinic: $50 copay instead of deductible. $0 copay for $0 deductible plan. |
| Prescription Drugs | URC with period of coverage limit of $250,000 |
| Accident Dental | Injury $500, Sudden pain for sound natural tooth $350 |
| Accidental Death & Loss of Limb | $25,000 |
| Bedside Visit | $1,500 benefit for bedside visitor while in intensive care. Not subject to deductible. |
| Medical Evacuation | $50,000 |
| Repatriation of Remains | $25,000 |
| Pre-existing conditions | After 12 months of continuous coverage |
| Group Pricing | Five or more primary insureds have 2%-4% Group Discount. |
| Benefit Details | https://purchase.imglobal.com/PlanDescription/PATRIOT_EXCHANGE/BenefitsContentStandard |
| Sample Contract | http://producer.imglobal.com/ProducerDocuments.ashx?DocumentID=3044 |
MyIMG Account can help you with:
Submit a Claim, and Lookup Claim Status
Search for Provider in PPO
Change your Email Address or Phone Number
Medical insurance for students studying abroad or participants of cultural exchange programs
IMG Patriot Exchange Program is designed for international students and scholars. There are insurance plans for Scholars and Students traveling to the US with a variety of US visa's (F1 visa, J1 visa, OPT, and M1 visa). Dependents are also eligible to purchase. The Patriot Exchange Program also has plans for people traveling outside the US for educational purposes. Anyone studying or teaching outside their residence country is eligible to buy. You can purchase online at any time and you may select any future date to be your insurance policy's effective date. The plan comes with several deductible options, and benefit levels to meet a wide variety of needs. All J visa holders are required to meet the US Department of State (USDOS) J1 insurance requirements for the duration of their visa. Patriot Exchange Program with at least $100,000 benefit per illness or injury and four deductible options meets this requirement.