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Here’s my experience with IMG Global Insurance.

Timeline

  1. My family and I planned a trip from Austria, where we live, to the USA, where we’re from.
  2. I paid for IMG Medical’s Patriot Plan (June 2021) to cover medical emergencies.
  3. I never received the policy paperwork, though I asked multiple times.
  4. I visited the USA and felt chest pain.
  5. I sent an email asking if an EKG was covered. They never responded.
  6. I visited John Muir Hospital upon a doctor’s recommendation.
  7. I found out via a debt collector, almost two years later, they rejected the claim.
  8. The claim was rejected for pre-existing conditions - but the medical record says this is false.
  9. They rejected my dispute, again, for the same reasons.
  10. The letter of rejection just states over, and over, that it’s a pre-existing condition.
  11. The medical records show it is NOT a pre-existing condition.
  12. Last week I visited my doctor who signed an official letter stating as much.
  13. Now I would like to find a local lawyer, in Indianapolis, where IMG is based, to fight this.

Details

Despite my paying almost $500 for a month’s worth of insurance, my legitimate healthcare needs were not covered because of so-called pre-existing conditions. Yet the dates do not line up. All of the paperwork shows this very clearly. The symptoms began as the policy began. Not earlier.

Buying the plan

I asked about coverage (no response) when I was in the USA.

coverage

recommend

The bill

the bill

Collection notice

collection

Medical record stating NOT a pre-existing condition

pre-existing

Independent review from International Medical Group / Bessie Banks

independent

Rejection (again)

rejection

Statement from my physician

statement

If you have any questions I can be reached at mreider at gmail.com