Frequently Asked Questions & Policy Definitions 

Q. Will the Plan pay medical providers directly or do I need to pay first and then be reimbursed?
A. The answer is spelled out in more detail under the general instructions in the Claims section of our web site, however there honestly is no easy answer. This is simply due to the need to respond to the individual billing practices of medical providers both outside and inside of the USA. Many will accept an assignment of benefits and when they do the Plan will pay the provider directly. You should indicate that you are assigning benefits in such a manner on the claim form (also available in the Claims section). For relatively small claims it may be necessary for you to pay first and then be reimbursed. Payment for large claims such as for Emergency Medical Evacuation will be arranged directly through the Assistance Company, which must be contacted and be involved in making all arrangements. In addition, payment guarantees may be arranged via the Assistance Company in special circumstances where eligibility of the claim is clear.

Q. How soon must I enroll before coverage may begin?
A. Coverage may be issued with an effective date in the future.  The earliest effective date is 12:01am on the day after enrollment. If you are enrolling by mail, it is best to give us reasonable time to process your enrollment and mail you back your confirmation materials.