When do I receive my Program Documents?
INF Plans can be purchased online for next-day coverage. Often, a confirmation email, along with a soft-copy certificate of insurance or digital ID card will be emailed to you. It is important to keep this soft-copy with you, and to send this copy over to your loved one in case they need it during their travel. The confirmation emails will also have additional information pertaining to policy documents.
Visitors over 50 of age from developing countries (for example, India) are at a higher risk of medical emergencies. The highest risk factor for chronic diseases is blood pressure. (Chronic Diseases haunt Indians over 50). When these unexpected medical events arise, you want to make sure you have the proper insurance coverage to protect your family in your time of need. INF Premier & INF Elite Network will cover any pre-existing medical emergency fully. INF Plans will provide coverage not only in emergency situations related to pre-existing conditions, but also follow up visits with medical specialists & lab tests related to pre-existing conditions.
Doctor's Appointments with Teladoc & MeMD
INF Plans come with a service called Telemedicine, provided by Teladoc or MeMD. With Telemedicine, skip the long waits at the doctors office & enjoy medical care from the comfort of your own home. Telemedicine will pair you up with a large network of doctors, specialists, & therapists, who will video conference you and conduct a medical exam over the phone. Afterward, the health care provider will send your prescription to the nearest pharmacy. Telemedicine waits are typically less than 15 minutes to find a board certified doctor!
We suggest doctors visits or a stop by the CVS minute clinic for smaller issues, such as headaches, stomach aches, fevers, coughs, etc. These visits are typically low cost and will probably cost less than $100 for each visit. Additionally, INF members get access to prescription discounts- so picking up medicine will be a breeze!
What insurance do I tell the provider I have?
When making an appointment with a health care provider, many ask if you have any insurance & what kind of insurance. You should state the following:
What should I do when my Visitor is Sick?
In any medical emergency, we highly recommend calling 911 and seeking medical attention from the nearest medical health care provider.
For issues which do not present an immediate medical need, we suggest making an appointment with a doctor, or our $0 Copay Telemedicine Service.
Urgent Care Visits
For less life-threatening conditions, we suggest visiting the Urgent care clinic, or using our $0 Copay, $0 Deductible Telemedicine program which comes at no additional cost to you! These types of conditions can range from skin conditions, to a virus. INF Plans work with the First Health Provider Network, one of the largest PPO Networks in the country sponsored by Aetna. When enrolled in the INF Health Insurance Plan, you may search for the urgent care clinic in the First Health Provider Network. This will afford you a variety of benefits: 1) Insurance readily accepted by Health Care providers, 2) Discounted, pre-negotiated medical rates for services provided, 3) Cashless Claims - meaning you will NOT have to pay out-of-pocket for medical expenses incurred at the onset.
Payments & Claims
When first visiting a health care provider, show them a copy of your insurance ID & certificate. They will call the insurance company to verify the insurance. From this point, the health care provider will bill the insurance company directly and the claims will be paid by the insurance.
In the event your insurance is not accepted by a health care provider, there are claims forms available on each of the insurance providers website. Simply follow the claims instructions, submit the receipts to the insurance company. and wait 6 weeks for INF Plans.