International Medical GroupR, Inc. (IMGR) is a worldwide leader in designing, distributing, and administering global healthcare benefits. Since 1990, we have offered medical security to hundreds of thousands of individuals, families, and groups in more than 150 countries.
For over a decade, we have been providing our expertise to international schools. We've earned a reputation for being flexible and responsive to the needs of international educators.
Global Educators Medical (GEM sm ) is a group medical plan designed specifically for international schools that offers a wide range of benefits and services to meet the needs of educators, administrators, and staff around the globe.
IMGR GEM PLAN BENEFIT SUMMARY 2006 ? 2007
Highlights of Coverage |
| Calendar year deductible: |
$0 to $25,000
Reduced by 50% in US PPO Network. |
| Coinsurance: |
100% in US PPO Network and Outside US and
Canada, otherwise,
80% to $2500, then 100% thereafter |
| Maximum Lifetime Limit: |
$5,000,000 |
| Wellness Benefit: |
$500 per calendar year. |
| Maternity: |
Covered same as any illness. |
| Prescription Drugs: |
100% after deductible.
Not subject to deductible if purchased
through mail order pharmacy. |
| Vision Care Expenses: |
$150 every 24 months for corrective lenses, contact lenses, and frames.
$100 every 24 months for routine eye exam. |
| Emergency Medical Evacuation: |
Up to lifetime maximum, must be coordinated by IMG |
This is a general summary of benefits. Benefits are subject to all GEM policy provisions. Please refer to policy for exact provisions.
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