Street View of my NGO Plus International Employer Group Insurance

Good Neighbor Insurance is excited to offer the NGO Plus international employer group insurance by IMG, https://www.gninsurance.com/group-health/plans/ngo-plus-plan. This global employer group medical insurance plan is a perfect fit for the employer seeking a strong global employer group insurance option to protect their international employees. This IMG NGO+ is tailored to provide international medical insurance to humanitarian and global development focused non-governmental organizations by offering global coverage while outside their country of residence.

We, here at Good Neighbor Insurance, are dedicated to serving our clients, and we strongly believe education and the sharing of information is part of our duty- especially when it comes to understanding complex employer group insurance policies and their benefits. We’re always available by email or by phone, and for your convenience we have created a set of video resources dedicated to answering all of your questions on the NGO Plus plan by IMG, https://www.gninsurance.com/group-health.

Click on the links below to go to the videos

Does my NGO Plus include maternity cover?
Using MyIMG to access your IMG NGO Plus international medical insurance policy
Your NGO Plus Explanation of Benefits (EOB) – an Overview

Does my NGO Plus include maternity cover?

Cora’s Question – Does my NGO Plus include maternity cover, Doug?

Answer – Cora, that is a great question.

Yes, maternity is covered
However, infertility treatment and maternity from such treatment is not covered.
Newborn routine care, diagnostic tests and routine immunizations for the first 31 days of life are also covered
Dependent child’s pregnancy is not covered

Change is always in the air! So please check our web page at https://www.gninsurance.com/group-health/plans/ngo-plus-plan for the most up-to-date information on your IMG NGO+ global employer medical insurance –

or call us at 480-813-9100 here in Gilbert, Arizona, USA
or email us at [email protected]

Your GNI team here in Gilbert, Arizona, wish you all safe and awe-inspiring expatriate travels, Clare!

https://www.gninsurance.com

Using MyIMG to access your IMG NGO Plus international medical insurance policy

Question – Doug, our expatriate employees now have our NGO+ international employer group policy in hand, https://www.gninsurance.com/group-health/plans/ngo-plus-plan. Is there a way each of our expat employees and their families can access their policy medical information and procedures online?

Answer – Great question, Clare. Yes, IMG provides a great resource online so each of your team members can manage their international insurance policy. Here is more information on this option, Clare.

MyIMG will give each of your overseas employees the ability to access and manage their employee insurance information 24/7.
Here is that link – https://www.imglobal.com/member/login

Here are key features your international employees can manage by using their MyIMG link, Clare.

Claims – your team members may submit claims online, review their insurance claim status, and claims history as well as review their explanation of benefits (EOBs).
Insurance plan documents – your employees can download their NGO+ policy certificate documents and other dedicated forms.
Finding a medical provider – your employees will be able to locate qualified medical providers anywhere in the U.S. as well as find the network of medical providers here in the U.S.
Request a pre-certification – Also Clare, your team members may submit a precertification request for determination of medical necessity required for certain medical treatments right online at their MyIMG account.
Request an I.D. Card – Your expat employees may also quickly and easily print their IMG I.D. medical card.

Here is information on how your expatriate employees may access their MyIMG account, Clare.

Please go to myimg.imglobal.com link
If your team member is a first-time user, please have them follow the Login Instructions link and proceed to the New User Registration.
Please inform your team members they will need their certificate or group number or Insured ID number ready.

or call us at 480-813-9100 here in Gilbert, Arizona, USA
or email us at [email protected]

Your GNI team here in Gilbert, Arizona, wish you all safe and awe-inspiring expatriate travels, Clare!

https://www.gninsurance.com

Your NGO Plus Explanation of Benefits (EOB) – an Overview

Question – Doug, I know each Explanation of Benefits our employees will get will vary but can you give me and our social good organization a general overview what information will be on our employees NGO+ Explanation of Benefits (EOB) after they submit a claim to IMG?

Answer – That is a great question, Cora. Let me provide you a summary of what your employee may see on their NGO+ Explanation of Benefits, or also called, EOBs.

Your NGO Plus Explanation of Benefits is a summary of how your IMG claim was processed.
Below is basic information on what is on most of the EOBs from IMG, Cora.
Please keep in mind that actual Explanation of Benefits (EOBs) may vary depending on the type of medical facility your global employee has visited.
Here are 28 key parts and what they mean on a typical IMG NGO Plus Explanation of Benefits form.
This information may be a bit tedious to work through, Cora, but still good knowledge for each of your team members to have to help navigate through their explanation of benefits on their NGO Plus global employer group medical insurance.

IMG sends a claim statement anytime they process a claim, which is the EOB form. This includes the name and address of the insured member, patient, or alternate payee. This document details how the benefits cover the cost of a service of a medical provider and what is owed by the patient. Please realize, Cora, that the EOB is not a bill.
The customer service information area shows
- date that the EOB was prepared
- contact information of IMG’s customer service department
Member ID number – this is the identification number that IMG uses to keep track of member’s claim activity in their claims system.
Claim number – this number is assigned by IMG’s claims system when the claim is processed.
Date of service – the date(s) the member received treatment
Service code – the type of services or products the members received from the medical provider
Total charge – the full amount billed by the medical provider to the insurance policy.
Not covered – the portion of the total charge that was not covered or eligible for payment under the insurance policy.
Reason code – a code that corresponds with the remark code description
Discount amount – the amount saved by using an in-network medical provide
Covered by your insurance policy – the portion of the charges eligible for benefits
Less deductible – the deductible is the amount for which the policy holder is responsible during each period of coverage
Less copay – a set amount that the policy holder pays for certain covered services, such as office visits or prescriptions. Copays are usually paid at the time of service.
Amount subject to coinsurance – the total benefit amount subject to coinsurance
Paid at – the actual coinsurance percentage
Less patient share of coinsurance – the amount of the policy holder’s share of the coinsurance
Payment amount – The amount paid by the insurance policy for each claim line.
Column totals – the total of each of the columns
Total policy holder’s / patient’s responsibility – total amount that the member is responsible for paying after the insurance benefits have been applied.
Other credits or adjustments – any adjustments, credits, or previous payments applied
Total payment – the total amount paid by your insurance policy.
Service code description – an explanation of the procedure (service) codes listed on the claim. These codes describe the services that were rendered by the medical provider.
Remark code description – an explanation of the remark code used on the claim
Additional information – applicable appeal language / and / or general information
Copy of the front of the voided check image
Copy of the back of the voided check image
Payment details – explains to whom the payment was issued, the check / wire number and amount.
Accumulators / amount – amount applies to deductible or out-of-pocket amounts.

We hope this has helped, Cora. Please keep in mind that this information may change due to updates on software and U.S. federal laws that may change the look and feel of the EOB. However, this is good information for your employees on your NGO Plus international employer group medical insurance.

Change is always in the air, Cora! So please check our web page at https://www.gninsurance.com/group-health/plans/ngo-plus-plan for the most up-to-date information on your IMG NGO+ global employer medical insurance –

or call us at 480-813-9100 here in Gilbert, Arizona, USA
or email us at [email protected]

We wish you and your team, Cora, an amazing rest of the year!

https://www.gninsurance.com