Insurance Information
Watch this video to learn about the healthcare system in the U.S.
The Insurance Help Center is the page where participants can view coverage details, file a claim, use the emotional virtual health benefits, find a doctor, or anything related to their insurance plan.
Insurance Options
InterExchange offers two plans to Camp USA participants. You can review each:
Coverage Period and Extensions
Insurance coverage begins one day before the participant’s program start date and ends one day after the program end date listed on the placement offer and DS-2019 form. Coverage does not include the 30-day travel period granted after the program.- Participants are strongly encouraged to have medical coverage for any travel before or after their program dates.
- They may extend their InterExchange coverage for an additional cost by contacting InterExchange directly for payment and date modifications.
Standard vs. Premium Plans
All Camp USA participants are automatically enrolled in the Standard Plan, which covers core benefits needed while abroad. However, participants may upgrade to the Premium Plan for more comprehensive coverage and lower out-of-pocket expenses. Key benefits of upgrading include:- Deductible reduced from $150 to $25 per injury/illness
- Coverage increased to $1,000,000
- 100% coinsurance, even outside of the PPO network
- Additional benefits such as trip delay, personal liability, and mental health coverage
Prescription Medication
Participants should bring any necessary prescription medications with them. U.S. prescription medications can be costly.- They must travel with a valid prescription or doctor’s note in English.
- Only the amount needed for personal use during their stay should be brought.
- Pre-existing conditions are not covered.
- Medications prescribed for illnesses or accidents that occur during the program can be purchased at U.S. pharmacies. Participants should pay upfront, keep receipts, and submit claims for reimbursement.
Workers’ Compensation
Workers’ Compensation is separate from InterExchange insurance and is provided by the employer.- If a participant is injured or becomes ill while performing job duties, they should first file a claim with the employer’s workers’ compensation insurance.
- They may also file a claim with the InterExchange plan as a secondary option if needed.
- Questions about workers’ compensation should be directed to the employer.
Coverage While Traveling
- The insurance does not cover participants who become sick while visiting their home country.
- Coverage does apply if participants become ill while traveling in other countries.
- The Standard Plan only applies during contracted work dates and does not include the 30-day travel period. Extensions are available upon request.
Seeking Medical Treatment
Participants are advised to use the following care options:- Teladoc Telemedicine – included with the plan for non-emergency virtual care.
- In-Network Providers – Participants should use UnitedHealthcare Network (UHC) providers for most conditions.
- Urgent Care/Walk-In Clinics – Recommended for in-person treatment of non-emergencies.
- Emergency Rooms – For true emergencies only. ER visits are significantly more expensive.
Student Zone
Participants can access further details about their plan, treatment instructions, and claims tracking through their Student Zone portal.
Insurance Basics for Camp USA Participants
International cooperators should be aware of the following key points in order to help participants better understand how their insurance works:
Co-pays
Participants may be asked to pay a copay when visiting an Urgent Care Center or Walk-in Clinic. This fee is charged per visit and is separate from the deductible. The amount varies depending on the plan, and participants can review the exact details in their Student Zone account.Deductibles
A deductible is the amount a participant must pay out-of-pocket before the insurance company begins covering costs.- For Camp USA insurance, the deductible applies once per injury or illness.
- Plans also include a separate Emergency Room deductible, which is waived if the participant is admitted overnight as an inpatient.
- If a bill is less than the deductible, the participant pays the full amount. If the bill is more than the deductible, the participant pays the deductible and the insurance covers the remainder of eligible expenses.
Communicating with Doctors’ Offices
When scheduling an appointment, participants should tell providers that their insurance uses the UnitedHealthcare Network (UHC) . They should present their insurance ID card, which includes the UHC logo. If there are difficulties, participants should contact International Medical Group (IMG) using the number on the back of their card.Provider Choice
Participants may see any provider, but:- In-network (UHC) providers usually bill the insurance company directly, so participants pay only their deductible or copay at the time of service.
- Out-of-network providers often require participants to pay upfront and then file a claim for reimbursement. A searchable provider directory is available in the Student Zone.
Common Exclusions
Insurance does not typically cover:- Dental and vision care
- Pre-existing conditions
- Birth control
- Long-term treatment
- Regular check-ups or preventative exams
Mental Health and Emergencies
- Some mental health services may be covered, but coverage is limited and costs can be high.
- If a participant expresses suicidal thoughts or severe distress, they should be directed to resources such as:
- National Suicide Prevention Lifeline
- Mental Health America
- NYCWell (for those in New York City)
- The plan also provides access to DialCare Virtual Emotional Wellness for online mental health support.
Emergency Room Use
Participants should use hospital emergency rooms only for serious or life-threatening emergencies, since ER visits are expensive and carry an additional deductible (unless the participant is admitted overnight). For most medical needs, they should be encouraged to visit urgent care clinics, walk-in clinics, or a doctor’s office.Telemedicine
All plans include access to Teladoc Virtual Telemedicine at no cost. This service is available 24/7 and is a good first step for non-emergency situations or when participants are unsure which type of doctor they need to see.
Insurance Cards and Identification
Lost Insurance Card
If a participant loses their insurance confirmation card, they can:
- Access an electronic copy in their Student Zone account.
- Request a replacement by contacting Envisage Global Insurance through the “Contact Us” page.
Documents to Bring to Appointments
When visiting a doctor’s office, participants should bring:
- Their insurance confirmation card (with Individual Policy Number)
- Their passport (for identification purposes)
- Their DS-2019 Form (sometimes requested by medical providers)
Insurance Policy Number
The participant’s Member ID (also called the individual policy number) is printed on their insurance ID card. The card also lists a Group ID, which is shared across all Camp USA participants.
If a provider has questions about a participant’s coverage, they should be directed to call the insurance company using the phone number on the back of the card.
Insurance Claims Process for Camp USA Participants
International cooperators should ensure participants understand the importance of filing claims promptly and correctly. Below are the main points to help explain the process:
What is a Claim Form?
A claim form is required after a participant visits a doctor in order for the insurance company, International Medical Group (IMG), to process and pay the medical bills.
- If the visit was due to an accident, participants must also complete an accident questionnaire.
- Claim forms can be downloaded in the Student Zone or submitted through the participant’s online claims account.
Who Must File a Claim Form?
All participants must file a claim form after visiting a doctor, even if:
- They did not have to pay upfront, or
- The doctor’s office billed the insurance company directly.
Each new medical condition requires a separate claim form.
When to File a Claim
Participants should file claims as soon as possible after their appointment. Delays may result in denial of coverage.
Required Documentation
To process reimbursement, participants must submit:
- A signed and dated claim form.
- A fully itemized statement of charges from the provider, with the diagnosis clearly stated on the physician’s letterhead.
- A copy of any receipt showing payment made upfront (if applicable).
Even when providers bill IMG directly, participants are still responsible for submitting a claim form and any documents they received during their visit to ensure faster processing.
Checking Claim Status
Participants can check the status of their claims:
- Through their online claims account (via Student Zone).
- By contacting International Medical Group (IMG) directly:
- Phone: (855) 731-9445 (toll-free, 24/7) or +1 (317) 927-6806 (direct dial, 24/7)
- Email: [email protected]
If a Participant Receives an Unpaid Bill
Participants should first call the doctor’s office to confirm whether the bill was submitted to the insurance company.
- If the provider does not have correct insurance information, the participant should supply details from their ID card.
- If the bill has been submitted but not processed, participants should check their claim status online or contact IMG directly.
Appeals Process
If a participant disagrees with the outcome of a processed claim, they may request a review by IMG.
- Appeals must include supporting documents.
- Appeals should be submitted by email to [email protected].
- The review process generally takes up to 90 days, after which participants will be notified of the result.