Adventures In Missions
Understanding Your Insurance

For Adventures Staff & Trip Participants

MissionSafe serves Adventures in Missions as an insurance broker. We provide service and support to Adventures staff and trip participants as you serve in ministry in the U.S. and abroad. MissionSafe serves as your advocate with the insurance carrier.

As a trip participant with Adventures in Missions, you will automatically be enrolled in travel medical coverage. You will not need to enroll yourself in this plan. The purpose of this page is to give you an overview of your benefits, and answer some of the common questions associated with the coverage.

Our team is dedicated to providing you with excellent service and support before, during, and after your trip. If you have any questions about your insurance plan with Adventures in Missions, we are only a phone call away!

MissionSafe | www.missionsafe.com

E: service@missionsafe.com

P: 800-682-3461

Plan Information

 

Click on your program or type of trip below to learn more about your insurance plan

World Race, Gap Year, Semesters & Short-Term International
IMPORTANT DOCUMENTS
IMPORTANT CONTACT INFORMATION
OUTLINE OF YOUR COVERAGE
IMG GLOBAL CONCIERGE & ASSISTANCE SERVICES
IMPORTANT DOCUMENTS
IMPORTANT CONTACT INFORMATION

To Pre-Certify for hospitalization or major tests, contact IMG within 48 hours:

  • Outside of US/CAN+1 317-655-4500 (press 2)

  • Inside US/CAN 1-800-628-4664 (press 2)

  • Note: These numbers are also included on the back of your ID Card

-OR-





For the IMG Global Concierge & Assistance Services:

  • +1 317-655-4500 (press 2)
OUTLINE OF YOUR COVERAGE

**Please refer to the Policy Wording above for the insurance contract which sets forth the rights and obligations of both you and the insurance provider**

This short-term plan provides secondary coverage for new injuries and new illnesses that occur when traveling outside your home country. Below is a brief description of the important features included on your plan.

Benefit/FeatureAmount
Insurance CarrierInternational Medical Group (IMG)
World Race & Gap Year (trips 6 months+)  Deductible$100
Semesters & Short-Term (trips less than 6 months) Deductible$0
Emergency Room Deductible (additional deductible applied per ER visit for an illness that does not result in direct admission)$250
Maximum Limit$1,000,000
CoinsuranceOnly applies for U.S. Treatment out of network - see policy wording
Precertification50% reduction in benefits for failure to comply (See "Precertification" under Resources for more information)
Eligible Medical Expenses$1,000,000
Emergency Medical Evacuation$1,000,000 ($25,000 for Sudden Recurrence of Pre-Existing Conditions)
Emergency Medical Reunion$100,000
Overnight Hospital Indemnity$250 per night up to 10 nights
Sudden Recurrence of a Pre-Existing ConditionSee policy wording
Return of Mortal Remains$100,000
Political Evacuation$100,000 (excludes countries with a Travel Warning Level 3-4 prior to arrival)
Natural Disaster$250 per day
Accidental Death & Dismemberment$50,000
Incidental Trip to Home CountryUp to 14 days
Trip Interruption$10,000
Felonious Assault$10,000
Continuation of Treatment Benefit12 Months (from date of documented treatment overseas)
Lost Baggage/Theft$500
Adventure SportsSee policy wording

IMG GLOBAL CONCIERGE & ASSISTANCE SERVICES

In addition to the benefits listed above, the following services are included on your plan and can be utilized by contacting IMG at +1 317-655-4500:



    Dedicated Claims Team
    Bag Tracking
    Embassy & Consulate Referral
    Emergency Cash Transfers
    Security Updates & Country Profiles
    Lost Passport/Travel Documents Assistance
    Prescription Drug Replacement Assistance
    Drug Translation Services
    Emergency Travel Arrangements
    Legal Referrals
    Pre-Trip Health & Safety Advisories
U.S. Staff & Coaches (International Travel)
IMPORTANT DOCUMENTS
IMPORTANT CONTACT INFORMATION
OUTLINE OF YOUR COVERAGE
IMPORTANT DOCUMENTS
IMPORTANT CONTACT INFORMATION

To Pre-Certify for hospitalization or major tests, contact IMG within 48 hours:

  • Outside of US/CAN+1 317-655-4500 (press 2)

  • Inside US/CAN 1-800-628-4664 (press 2)

  • Note: These numbers are also included on the back of your ID Card

-OR-



OUTLINE OF YOUR COVERAGE

**Please refer to the Policy Wording above for the insurance contract which sets forth the rights and obligations of both you and the insurance provider**

This short-term plan provides secondary coverage for new injuries and new illnesses that occur when traveling outside your home country. Below is a brief description of the important features included on your plan.

Benefit/FeatureAmount
Insurance CarrierInternational Medical Group (IMG)
Deductible$100
Emergency Room Deductible (additional deductible applied per ER visit for an illness that does not result in direct admission)$250
Maximum Limit$100,000
CoinsuranceOnly applies for U.S. Treatment - see policy wording
Precertification50% reduction in benefits for failure to comply (See "Precertification" under Resources for more information)
Eligible Medical Expenses$100,000
Emergency Medical Evacuation$500,000 ($25,000 for Sudden Recurrence of Pre-Existing Conditions)
Emergency Medical Reunion$50,000
Overnight Hospital Indemnity$100 per night up to 10 nights
Sudden Recurrence of a Pre-Existing ConditionSee policy wording
Return of Mortal Remains$50,000
Political Evacuation$10,000 (excludes countries with a Travel Warning Level 3-4 prior to arrival)
Natural Disaster$100 per day
Accidental Death & Dismemberment$25,000
Incidental Trip to Home CountryUp to 14 days
Trip Interruption$5,000
Continuation of Treatment Benefit6 Months (from date of documented treatment overseas)
Lost Baggage/Theft$500

U.S. Staff (Domestic Medical)
ENROLLMENT GUIDE
UNITED HEALTHCARE MEDICAL PLAN OPTIONS (EFFECTIVE 1/1/19)
HUMANA DENTAL PLAN
HUMANA VISION COPAY PLAN
PRESCRIPTION DRUG LISTS
QUESTIONS?
ENROLLMENT GUIDE

Below are links to access your plan documents and summaries of benefits for the various medical plan options for Adventures in Missions U.S. Staff. These plans are provided by the World Insurance Association.


2019 Adventures in Missions Open Enrollment Guide

UNITED HEALTHCARE MEDICAL PLAN OPTIONS (EFFECTIVE 1/1/19)

Below are links to access your plan documents and summaries of benefits for the various medical plan options for Adventures in Missions U.S. Staff. These plans are provided by the World Insurance Association.

HUMANA DENTAL PLAN
    Below are links to access your plan documents and summaries of benefits for the various medical plan options for Adventures in Missions U.S. Staff. These plans are provided by the World Insurance Association.

    Humana Dental Plan Summary 2019
HUMANA VISION COPAY PLAN
    Below are links to access your plan documents and summaries of benefits for the various medical plan options for Adventures in Missions U.S. Staff. These plans are provided by the World Insurance Association.

    Humana Vision Plan Summary 2019
PRESCRIPTION DRUG LISTS
QUESTIONS?

Contact Snow Ainsworth:



Long-Term Missionaries
IMPORTANT CONTACT INFORMATION
IMPORTANT CONTACT INFORMATION
OUTLINE OF YOUR COVERAGE
MEDICAL TRAVEL MANAGEMENT
MEDICAL CONCIERGE SERVICE
IMPORTANT CONTACT INFORMATION
IMPORTANT CONTACT INFORMATION

To Pre-Certify for hospitalization or major tests, contact IMG within 48 hours:

  • Outside of US/CAN+1 317-655-4500 (press 2)

  • Inside US/CAN 1-800-628-4664 (press 2)

  • Note: These numbers are also included on the back of your ID Card

-OR-





For the IMG Global Concierge & Assistance Services:

  • +1 317-655-4500 (press 2)
OUTLINE OF YOUR COVERAGE

**Please refer to the Policy Wording above for the insurance contract which sets forth the rights and obligations of both you and the insurance provider**

This long-term plan provides primary worldwide coverage for Adventures Long-Term missionaries and their families. The plan includes financial incentives for members to receive their medical care overseas where it is traditionally less expensive than in the U.S. Below is a brief description of the important features included on your plan.


Benefit/FeatureAmount
Insurance CarrierInternational Medical Group (IMG)
International Deductible$1,000
International Family Deductible$2,000
U.S. Deductible$2,500
U.S. Family Deductible$5,000
Emergency Room Deductible (additional deductible applied per ER visit for an illness that does not result in direct admission)$250
Lifetime Maximum Limit$1,000,000
CoinsuranceOnly applies for U.S. Treatment - see policy wording
Precertification20% reduction in benefits for failure to comply (See "Precertification" under Resources for more information)
Emergency Medical Evacuation$75,000
Emergency Medical Reunion$15,000
Return of Mortal Remains$5,000
Political Evacuation$10,000 (excludes countries with a Travel Warning Level 3-4 prior to arrival)
Preventative Care$1,000
Other included benefits
Chiropractic Care
Inpatient & Outpatient Services
Pregnancy & Newborn Care
Prescriptions
(must use Universal Rx Card in the U.S.)
Mental/Nervous & Counseling
Overnight Hospital Indemnity (International Only)
Term Life Insurance
*Medical Travel Management
*Medical Concierge Service

MEDICAL TRAVEL MANAGEMENT

If you require non-emergency medical care, including hospitalization and surgery, IMG offers medical travel as a means to manage the costs. Upon approval of medical travel, IMG will designate a case manager to work with you to coordinate related care prior to any treatment being rendered.

Click here to learn more about the Medical Travel Management

Contact +1 317-655-4500 for Medical Travel Management

MEDICAL CONCIERGE SERVICE

The Medical Concierge Service is designed to provide information to patients in need of non-emergency medical procedures that will help them decide on a facility that provides high quality care in the most cost-effective setting. The procedure can be in-patient or out-patient, and as simple as an MRI or as complex as a transplant.

Click here to learn more about the Medical Concierge Service

Contact +1 317-655-4500 for the Medical Concierge Service

Resources

 

Click on the following icons to learn more

Access Plan Documents

Claims Assistance

Incident Checklist

Expatriate Prescription Service (EPS)

Locate a Provider

MedJet Assist Optional Plan

Pre-Certify

File a Claim

Coverage for Returning Racers

Learn More

 

Click on each tab to learn more

Akeso Care & Medical Concierge Service
Akeso Care & Medical Concierge Service

Akeso Care Management® is a URAC-accredited international health care management company specializing in the complete spectrum of domestic and international medical management services. When you call IMG to Pre-Certify for hospitalization or major tests, this is the division of IMG who you will be connected to.

To learn more about Akeso Care, visit www.akesocare.com.

Akeso Care is available for all IMG international plans. You can contact Akeso Care by dialing 1-317-655-4500 (press 2).

Note: Akeso Care’s Medical Concierge Service is only available to those on the Long-Term Missionaries insurance plan. The Global Concierge Service is a separate service provided by IMG. See your Plan Information to learn more about the Global Concierge Service.
Deductible
Deductible

The dollar amount of eligible medical expenses, as outlined in your Policy Wording, that the insured person must pay per period of coverage prior to receiving benefits or coverage from the insurance company.
Hospital Indemnity
Hospital Indemnity

An amount paid directly to the insured person for each night of a required hospital stay (for a covered injury or illness). See your Policy Wording for amount paid per night and the maximum number of nights allowed.

You do not need to file a separate claim to qualify for an indemnity. The claims examiner will review the medical documents you submitted to determine your eligibility for an indemnity benefit payment.
Emergency Room Deductible
Emergency Room Deductible

An additional deductible will apply each time a person seeks treatment for an illness in an emergency room, which does not result in the person directly being admitted as a hospital inpatient. This deductible is in addition to the plan deductible.

When possible, for non-life-threatening illness, consider seeking treatment at a clinic or doctor’s office to avoid the potential cost of this additional deductible.
FAQ for Parents & Family
FAQ for Parents & Family
Paying for Treatment
Paying for Treatment

Many international hospitals do not have the ability to establish direct billing with an insurance company.

If a hospital or provider is unable to establish direct billing, then IMG will offer to send the provider a Guarantee of Payment (GOP) document. This document gives the provider an assurance that IMG will pay for services rendered.

If direct billing or a GOP cannot be established, you need to be prepared to pay for your treatment out-of-pocket. Because this is considered a personal expense, you need to have a credit card or way to access cash to pay for the bill. You can seek reimbursement later by filing a claim.

Carrying a credit card with a minimum of $1,000-1,500 to cover an unexpected injury or illness is recommended.

To learn more about paying for treatment, see Incident Checklist.
Continuation of Treatment Benefit
Continuation of Treatment Benefit

Check your Policy Wording to see if your insurance plan includes a “Benefit Period.”

If an illness or injury incurred on your trip requires continuing treatment once you return home, this benefit will continue your coverage for that specific illness or injury for a selected amount of time (i.e 6 months, 12 months) from the initial date of treatment.

IMPORTANT:

In order to be eligible for continuing coverage, you must seek treatment for the illness or injury during your trip, and have medical documents and a receipt for the treatment. The receipt or documentation needed to establish the continuation of treatment benefit must include:

    Your name
    Date of Service
    Diagnosis or reason for treatment


If you are seeking continuing treatment back home, be sure to check your ID Card for the network requirement. See Locate a Provider.

Present your IMG ID Card to the provider and let them know that your plan provides a benefit beyond the expiration date listed on your ID Card. If you have primary or domestic insurance in place, let the provider know that IMG is your secondary coverage. For further assistance in communicating with your provider, contact MissionSafe at service@missionsafe.com or at 800-682-3461.

Contact

 
IMG

www.imglobal.com

For international pre-certification,
Akeso Care, & Global Concierge Service

E: insurance@imglobal.com
P: 317-655-4500

Adventures in Missions

www.adventures.org

For questions about your dates of coverage
or how your insurance is purchased

P: 770-983-1060
Or, contact your Admissions Advisor

MissionSafe

www.missionsafe.com

For international insurance questions & claims assistance

E: service@missionsafe.com
P: 800-682-3461

World Insurance Association

www.wiaonline.com

For U.S. Staff domestic insurance questions & assistance

E: sainsworth@wiaonline.com
P: 770-394-3800

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