Protecting your financial stability is essential in today’s unpredictable world. A well-rounded policy can provide peace of mind, ensuring you’re prepared for unexpected challenges. Whether it’s medical emergencies or business disruptions, having the right coverage can make all the difference.
For instance, plans like VISIT® Plan E Plus offer up to $100,000 in annual medical coverage per accident or illness. This includes emergency room visits, prescriptions, and specialist care. Additionally, it provides $300 for dental accidents and repatriation services, ensuring you’re covered no matter where you are.
Businesses can also benefit from extended support during prolonged recovery periods. With 24/7 access to telehealth services and a dedicated portal, managing claims and accessing care has never been easier. New wellness benefits, effective July 1, 2024, further enhance the value of these plans.
Key Takeaways
- Up to $100,000 annual medical coverage for accidents and illnesses.
- Includes $300 dental accident coverage and repatriation services.
- 24/7 telehealth support and dedicated portal access.
- Business continuity coverage for prolonged recovery periods.
- New wellness benefits with a $500 annual limit starting July 1, 2024.
Introduction to EPI Insurance
Planning for the unexpected is a cornerstone of financial security. EPI offers tailored solutions for both educators and businesses, ensuring comprehensive protection in uncertain times. Whether you’re an international teacher or a business owner, the right policy can make all the difference.
For educators, the TEACHER Group Plan provides essential health coverage while abroad. However, it’s important to note that pre-existing conditions, maternity, and mental health services are excluded. Upgrades are available for those needing additional benefits.
Businesses can benefit from extended indemnity periods, especially during recovery from disruptions like post-COVID operational delays. This ensures revenue recovery and continuity, minimizing risk and enhancing management efficiency.
EPI partners with trusted networks like UnitedHealthcare for medical providers and WellCard for prescription and dental discounts. These collaborations ensure access to quality care and cost-effective solutions.
For inquiries or upgrades, contact EPI at epi@visitinsurance.com or call 1-703-660-9062. Their team is ready to assist with claims and policy enhancements.
| Exclusions | Upgrades Available |
|---|---|
| Pre-existing conditions (36-month lookback) | Yes |
| Mental health services | No |
| Maternity | Yes |
Types of Coverage Offered by EPI Insurance
Different situations call for different types of safeguards. Whether it’s a sudden illness or an accident abroad, the right coverage ensures you’re never left unprepared. Here’s a breakdown of key protections available.
Medical Expenses Coverage
Plans cover up to $100,000 per incident for emergencies like surgeries or ER visits. In-network care follows a 90/10 coinsurance split after a $250 deductible. Precertification is required for MRIs or major procedures.
Prescriptions are reimbursed at 80% when using partnered pharmacies like WellCard. Submit claims via the member portal for quick processing.
Dental and Vision Coverage
Accidents like a broken tooth are covered up to $300. Routine care isn’t included, but discounts are available through WellCard. Emergency eye exams offer a $150 benefit for sudden vision issues.
Repatriation and Medical Evacuation
Critical emergencies trigger up to $1 million for evacuation to the nearest facility. If the worst happens, the policy includes $5,000 for burial or returning remains home.
| Coverage Type | Limit | Key Notes |
|---|---|---|
| Medical | $100K/incident | 90/10 coinsurance, $250 deductible |
| Dental | $300 | Accident-only, excludes routine care |
| Evacuation | $1M | Includes repatriation services |
Teladoc’s 24/7 telehealth is free for Plan E Plus members. Treat flu or allergies without leaving home. This support adds extra peace of mind.
Benefits of Choosing EPI Insurance
Finding the right financial safeguards means balancing protection and flexibility. A strong policy goes beyond basic coverage, offering tailored solutions for diverse needs. Whether for health emergencies or travel disruptions, these plans prioritize convenience and reliability.
Comprehensive Protection
Plans combine multiple safeguards into one streamlined solution:
- Health: Up to $100,000 liability coverage and $25,000 AD&D.
- Travel: $5,000 for trip interruptions and $250 for lost baggage.
- Wellness: Annual exams and telehealth coordination via email.
Flexible Plans
Customization ensures no wasted coverage:
- Upgrade options for maternity or mental health needs.
- Short-term plans for 14-day home-country trips.
- Future integrations like parametric insurance for businesses.
Support and Assistance
Help is always accessible:
- MyIMG portal for instant claims tracking.
- 24/7 precertification at 1-800-628-4664.
- Discounts on dental, vision, and diabetic medications (Group# SC001600).
These benefits create a safety net that adapts to your lifestyle while minimizing risk. From digital tools to wellness perks, every feature is designed for seamless management.
How to File a Claim with EPI Insurance
Navigating the claims process can feel overwhelming, but with the right guidance, it becomes straightforward. Understanding the steps and potential challenges ensures a smooth experience. Here’s everything you need to know to file a claim efficiently.
Step-by-Step Guide
Filing a claim involves a few key steps. First, submit the doctor’s claim directly to UnitedHealthcare. Next, complete the patient form and send it via MyIMG, email, or fax. Include all receipts and supporting documents for reimbursements.
For prescriptions, pay the pharmacy balance upfront. Submit the receipt along with a copy of the prescription to receive an 80% reimbursement. Emergency room visits require a $500 deductible unless the patient is admitted. Injuries are exempt from this fee.
Common Issues and Solutions
One frequent issue is denied claims due to missing precertification. This can result in a 50% penalty. To avoid this, ensure all required information is included before submission.
Delayed processing often occurs from incomplete records. If this happens, resubmit the claim with corrected codes. For additional support, contact epi@visitinsurance.com for advocacy.
Remember to submit all patient forms within 90 days of the incident. Use the MyIMG portal for real-time tracking and updates. This ensures you stay informed every step of the way.
Why EPI Insurance is Essential for Your Financial Security
Securing your financial future requires more than just savings—it demands proactive planning and reliable safeguards. Combining health protections with business continuity ensures you’re prepared for life’s uncertainties. From medical emergencies to operational disruptions, the right safeguards can make all the difference.
For individuals, comprehensive plans prevent financial ruin from unexpected medical bills. For example, $100,000 coverage for critical conditions like heart attacks or strokes ensures you’re not left struggling. Wellness benefits, such as $500 annual exams, further enhance personal security.
Businesses also benefit from extended revenue recovery periods. Whether it’s a fire, pandemic, or regulatory change, tailored policies cover losses beyond physical restoration. Adaptive indemnity periods, ranging from 6 to 12 months, provide flexibility during recovery.
Proactive tools like MyIMG offer real-time claims monitoring and predictive analytics. These features simplify management and help assess potential risk. Additionally, plans meet ACA standards, covering preventive care like mammograms and vaccines.
“A strong financial plan isn’t just about protection—it’s about peace of mind and resilience in the face of challenges.”
Legal compliance ensures your safeguards align with industry standards. Whether for personal health or business continuity, these plans are designed to adapt to your needs over time. Investing in the right safeguards today secures your financial future tomorrow.
Conclusion
Choosing the right safeguards ensures both personal and business needs are met effectively. The VISIT® Plan E Plus offers robust health benefits, including 24/7 access to Teladoc and $300 dental accident coverage. For businesses, extended indemnity periods provide revenue protection during recovery phases.
Support is always available through the MyIMG portal and dedicated claims advocates. Readers are encouraged to explore upgrades, such as maternity options via the SHA Plan, and innovative solutions like blockchain for faster payouts. Businesses should customize indemnity periods and leverage parametric triggers for efficiency.
For more information or to get a quote, contact EPI at epi@visitinsurance.com or call 1-703-660-9062. Secure your future today with tailored policy solutions that adapt to your needs.
FAQ
What types of coverage does EPI Insurance offer?
EPI Insurance provides medical expenses coverage, dental and vision plans, as well as repatriation and medical evacuation services.
How can EPI Insurance benefit me?
It offers comprehensive protection, flexible plans tailored to individual needs, and reliable support and assistance when required.
What steps are involved in filing a claim with EPI Insurance?
The process includes submitting necessary documents, following the step-by-step guide provided, and addressing any common issues with their support team.
Why is EPI Insurance important for financial security?
It safeguards against unexpected medical costs, ensuring financial stability during emergencies or health-related challenges.
Can I customize my EPI Insurance plan?
Yes, EPI Insurance offers flexible plans that can be tailored to meet specific coverage needs and budgets.
