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Knowledge Base – Azimuth Meridian

Your Azimuth Meridian Health Insurance Information

Table of Contents

1. Pre-notification
2. Claims and Explanation of Benefits (EOB)
3. Understanding Your Azimuth Meridian Insurance
4. Using your Global Network
5. Emergency Medical Evacuation
6. Preventative Benefits
7. Maternity, Newborns and other insurance benefits

Welcome To Your Azimuth Meridian Expat Health Plan

Your Azimuth Meridian plan is a health plan that covers you around the world. This international plan comes with incredible benefits including emergency evacuation, family deductible, a vast international network, and great customer service.

On this page you will find information about your, benefits, claims, your GNI team, and much more. This knowledge base was developed specifically to help you navigate your insurance and make the most of your benefits.

Please do not forget to bookmark this page so you can easily reference the answers to all of your future Azimuth Meridian expat insurance policy questions.

GNI Contact Information

Your Expat Insurance Advisors: Tracy, Gaby, and Doug

telephone icon 480-813-9100
envelope icon info@gninsurance.com
building icon 690 E Warner Rd Ste. 117   Gilbert, AZ 85296

Pre-Notification

Pre-notification is required for certain medical treatments, and always for hospitalization. Failure to pre-notify, may result in a 50% reduction of reimbursement of eligible medical expenses. Some expenses, such as organ transplant will not be reimbursed without pre-notification.

Pre-notification is not a guarantee of payment.

For services inside and outside the U.S., you are responsible for ensuring the pre-notification should be done as soon as possible before the treatment is to be obtained, or within 48 hours of admission due to an accident or emergency illness.

Services requiring precertification are: (1) Inpatient Hospitalization (2) Labor and Delivery (3) Chemotherapy (4) Extended Care Facility, Home Nursing Care, Hospice Care (5) Interfacility Ambulance Transfer (5) Radiation Therapy (6) Surgery or Surgical procedure (7) Transplant (8) Diagnostic testing such as MRI, CT scan and PET scan (9) Durable Medical Equipment.

Question: What happens if I need to seek medical treatment on the weekend or late at night and Azimuth’s office is closed?

Answer: If you have a medical emergency, seek appropriate medical care. If you need assistance, please call the Azimuth phone number on the back of your ID card. You may have to leave a message including a phone number where you are available.

 

Question:  What if it is after normal business hours here in the U.S.?

Answer: If you need to pre-notify outpatient or inpatient services after normal business hours, Azimuth will accept pre-notification via email at service@azimuthrisk.com. You may also leave a detailed voicemail.

You can pre-certify by phone:

Inside the United States: 317-644-6291 (Collect if necessary)

Outside the United States: 888-201-8850

Or by E-mail: service@azimuthrisk.com  

Medical treatments which are not considered “medically necessary” will not be covered.

The treatment proposed must adhere to the standards of care generally recognized as being appropriate to the injury or condition being treated.

Some treatments, even though they may be medically necessary, might not be covered because of policy exclusions.

Videos

  1. How does my deductible work?
  2. Why is my deductible higher in the U.S.?
  3. How to handle a precertification during an emergency hospital visit.
  4. Precertification on my Azimuth expatriate insurance

 

Key Notes

If in doubt, pre-certify.

Claims and Explanation of Benefits (EOB)

Most international claims are paid for by the member and submitted to Azimuth for reimbursement.

To submit a claim, e-mail a completed claim form along with required documents (itemized bill, receipt of payment and medical records) to service@azimuthrisk.com. You can download Azimuth’s Claim Form here: https://www.azimuthrisk.com/form_download.php.

Submit out-of-pocket medical expenses within 90 days of the service date. Failure to submit claims in timely manner will result in non-payment of claim.

Question – Should I submit my original itemized bills and receipts as soon as I receive them?

Answer – Yes! Do not hold them until the end of the year. Azimuth will apply eligible medical expenses to your deductible and coinsurance throughout the year.

 

Question:  Do I need to send in many claim forms if I have multiple medical claims?

Answer: Multiple claims may be submitted on the same claim form if they are for the same incident. For example, if you have a broken arm and there are claims for x-rays, surgery, and follow–up visits they can all be submitted on one claim form.

Question – What are my Explanation of Benefits?

The Explanation of Benefits (EOB) is a summary of how your claim was processed. Once your claim is processed EOBs are sent to the address that Azimuth has on file for the insured. The EOB will tell you what has been paid for by Azimuth, and – just as important – if anything is not being paid for, and why.

Claims should be submitted within 90 days of the service date / date on the invoice. Claims submitted later may be denied.

Videos

  1. How do I submit my claim?
  2. Understanding our Explanation of Benefits on our expatiate insurance

Key Notes

  1. What Does “Out-Of-Pocket Maximum” Mean?
  2. Top 5 things you do when you start your expat policy or renew your expat policy

Understanding Your Azimuth Meridian Medical Insurance

Azimuth Meridian is the only international long-term plan GNI offers that has a family deductible.

The family deductible is the maximum of two deductibles per family per coverage period.

When both parents are on the policy, up to two children under the age of ten (10) have a $0 premium.

Question – Does my policy include vision coverage?

Answer – Only the Enhanced policy includes vision coverage. After 364 days of continuous coverage, your Enhanced policy will cover exams and materials up to $250 per coverage period for vision care. The Essential policy does not include vision coverage and cannot be added on to the policy.

Vision coverage is subject to deductible.

 

Question – Does my policy include dental coverage?

Answer – You have the option to add dental coverage to your Essential or Enhanced policy at the time of enrollment for an additional premium. Dental benefits begin after 90-days of continuous dental rider coverage.

Dental coverage is subject to a $50 deductible with a $750 maximum limit per participating member, per coverage period.

Renewal Reminder – Every year for your Azimuth renewal, you must be outside of the U.S. or if you are currently in the U.S., you must have the intention of departing within 30 days of your renewal date.

If you are here in the U.S. after your 30 days of your renewal date, please connect with us.  We may, depending on when you leave, be able to help.

Videos

  1. What does Cross-Accumulate Deductible Mean?
  2. What is covered and what is not?
  3. What Does “Co-Insurance” Mean? 

Key Notes

  1. What do these Different Levels of Deductibles Mean?

Using your Global Medical Network

Find medical providers here: https://www.azimuthrisk.com/providers.php, click on UNITEDHEALTHCARE, for U.S. providers. 

Receiving care in the U.S.: Your Azimuth insurance includes UnitedHealthcare (UHC) network coverage in the U.S. For the Essential policy, after the Deductible the Plan will pay 80% of the next $5,000 of Eligible Expenses, then 100% to the Maximum Limit. For the Enhanced policy, After the Deductible the Plan will pay 90% of the next $5,000 of Eligible Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived for both plans if expenses are incurred within the PPO network.

 

Question – How does co-insurance work with Azimuth?

Answer – Coinsurance percentage (amount that Azimuth pays after you’ve met the deductible) depends on where care is received. For care outside the U.S., Azimuth pays 100% after the deductible. For care in the U.S. or Canada using the network (United HealthCare), Azimuth pays 100% of eligible medical expenses after the deductible. For care in the U.S. or Canada that is out-of-network, it is paid at 80% (on Essential policy) or 90% (on Enhanced policy) after the deductible is met.

Ways to save?  The most effective way to save money is to take care of medical needs abroad, as much as possible. You may have a lower deductible and certainly no co-insurance when accessing medical care outside the U.S. This means lower out-of-pockets expenses for yourself.

Find medical providers here: https://www.azimuthrisk.com/providers.php, click on UNITEDHEALTHCARE, for U.S. providers. 

Videos

  1. Part 1 of 3 – Two key medical insurance network models
  2. Part 2 of 3 – Some key differences in comparing your medical networks
  3. Part 3 of 3 – How does my U.S. and international medical network stack up to others? 

Key Notes

  1. Your deductible

Emergency Medical Evacuation

The Essential plan covers Emergency Medical Evacuation up to $50,000 Maximum Sub-Limit. $25,000 Maximum Sub-Limit for Participating Members age 65 and older.

The Enhanced plan covers Emergency Medical Evacuation up to $110,000 Maximum Sub-Limit, $55,000 Maximum Sub-Limit for ages 60 and older.

Question: What do I do if I think or a family member needs medical evacuation?

Immediately call Azimuth directly at 1-888-201-8850 or 1-317-644-6291, and state that you have an emergency. Be prepared to give them your contact information, and the contact information for your local doctor and/or hospital.

Azimuth will coordinate with your medical providers and local authorities to determine the best place for you to receive appropriate medical care.

All medical evacuations must be approved in advance and coordinated by Azimuth.

What is my Emergency Reunion benefit?

Essential Policy – Reimbursement up to $7,500 for travel expense related to the Emergency Reunion of a relative or friend resulting from an Emergency Medical Evacuation of a Participating Member.

Enhanced Policy – Reimbursement up to $10,000 for travel expense related to the Emergency Reunion of a relative or friend resulting from an Emergency Medical Evacuation of a Participating Member.

All medical evacuations must be approved in advance and coordinated by Azimuth.

Videos

  1. Who Should I Call in a Medical Emergency on my International Employer Group Insurance
  2. What is hospital indemnity on my expatriate medical insurance?

Key Notes

  1. Understanding your international emergency medical evacuation benefits

Preventative and Immunization Benefits

Adult wellness (age 25 and over) is covered up to $250 per coverage period after 180 days of continuous coverage on the Essential policy and up to $350 per coverage period after 90 days of continuous coverage on the Enhanced policy.

Question:  Do our children have wellness benefits?

Answer:  Your dependent children wellness (age 18 and under) is covered up to $175 per coverage period after 90 days of continuous coverage on the Essential policy and up to $200 per coverage period after 60 days of continuous coverage on the Enhanced policy.

Not subject to deductible or coinsurance.

Always double check with us if you are unsure on how to use your wellness benefits.

Videos

  1. Difference of an Annual Preventative vs. Sick Benefits 

Key Notes

  1. Part 1 of 2 – Your out-of-pocket maximum
  2. Part 2 of 2 – Your out-of-pocket maximum

Maternity, Newborns, and Other Insurance Benefits

The Enhanced policy includes Maternity benefits with $50,000 maximum which includes routine maternity care, delivery, nursery/NICU and post-partum care.

There is also a $2,500 copay per pregnancy.

Maternity coverage is available after 12 months of continuous coverage and conception must be after the 12-month waiting period for maternity benefits to be covered.

Newborn wellness care up to $500 for the first 60 days under the maternity benefit.

Question: Do I have to inform Azimuth when I am pregnant?

Yes, maternity should be pre-notified as soon as possible. This can be done over the phone by calling 317-644-6291 (Inside the U.S.) or 888-201-8850 (outside the U.S.) or email service@azimuthrisk.com.  When entering the hospital for delivery, a subsequent pre-notification for the hospitalization should be done.

 

Question: How do I get my Newborn or Adopted Child enrolled?

If you have maternity coverage, submit the application for your baby 14 days after birth but not more than 30 after birth. This way there will be no gap in coverage. If you miss this window, baby may still be added, but will have a separate policy number from the rest of the family.

If you do not have maternity coverage, the earliest you can submit the addition of dependent is 14 days after the birth of your child. We recommend application to be submitted no later than 30 days after birth. If you miss this window, baby may still be able to get coverage, but will have a separate policy number from the rest of the family.

Babies are not automatically accepted; newborns require a full application with underwriting.

Never hesitate to call us with your Azimuth expat questions.

Videos

  1. How to Find Out if Your Global Group Plan Offers Telehealth
  2. Telehealth on expatriate insurance

Key Notes

If you have a question, never hesitate to call or email us here at GNI :

info@gninsurance.com