How to Make a Claim

ISP’s insurance plans for international students and scholars are designed to be easy to understand and simple to use so our members can access the healthcare they need. It’s very important to make sure your current insurance ID card is available at all times. All of our plans provide online tools so members can download their insurance ID card at any time. When you visit your campus health center, a doctor’s office, pharmacy, hospital or other medical provider, provide them with a copy of your insurance ID card. In most cases, the medical provider will submit your claim directly to the claims administrator for processing. If you don’t have access to student health center through your college or university, it’s important to visit an in-network medical provider whenever possible. This will help ensure a smooth claims process, and keep your out-of-pocket costs as low as possible. You can learn more about finding an in-network provider and why it’s important to do so on our What To Do If You Need Healthcare page.

If your medical provider has not submitted your claim to the claims administrator, don't worry! With just a few pieces of information you can do so on your own. If you have already paid the medical provider for their services you can submit a claim for reimbursement consideration to you directly. You will need to obtain an itemized bill from the medical provider and receipt showing the amount you paid, and submit those documents to the claims administrator along with a completed claim form. If your medical provider did not provide you with an itemized bill, they can do so upon your request. Once your claim is received, the claims administrator will review the information, and reimburse you for any covered expenses based on your plan and policy. If applicable, payment would be made to the medical provider directly. You will be notified if additional information is needed in order to process and finalize your claim and you should respond to any requests as quickly as possible.

Once your claim is processed, you will receive an Explanation of Benefits (EOB) from the claims administrator or insurance company. Depending on which plan you are enrolled in, you will receive a hard copy in the mail or you will be notified that you can access the EOB online via your member account. This document will outline how the insurance plan has processed your claim including what amounts the insurance company paid, along with any amounts you owe to the medical provider.

Many of our plans provide easy access to view and manage your claims through your online member account. We encourage you to create an online account to help you manage your plan and claims. Visit our Manage Your Account page to learn more about setting up your online account.

Additional information to common questions can be found under our FAQ’s page.


 

Submit a Medical Claim

Start by identifying you plan below...

 

For members covered under the Trail Blazer & Pioneer Elite* Plans:

For questions or assistance with your claims:

*For Pioneer Elite members covered under a GeoBlue plan: You can manage your claims via the GeoBlue Member Hub

For questions or assistance with your claims:


For members covered through IMG:

IMG Patriot Travel Medical, Patriot Exchange, Student Health Advantage and more…

Members should refer to their confirmation email which includes many helpful resources, including an applicable claim form and filing instructions. Additional resources can be found below.

For questions or assistance with your claims:


For members covered through GBG:

Global Explorer (OPT), Global Student Navy, Property Guard and more...

  • GBG Member Portal: Log in to the member portal to manage your claims. For optimal viewing, please use Google Chrome.

For questions or assistance with your claims:


Submit a Prescription Reimbursement Claim

 

ISP insurance plans includes prescription drug coverage to help cover the cost of medications prescribed to you by a doctor. If your doctor gives you a prescription, you should simply present your ID card to a participating pharmacy and pay any applicable copay when filling the prescription. It’s that easy. If you do not have your ID card with you, or pay for the prescription in full, you may submit a claim for reimbursement.

 

For all members enrolled in a plan through GeoBlue, IMG, or GBG, please reference the claim submission instructions above for all claims, including those for prescriptions.

 

If your plan is not through one of the carriers above, such as Trail Blazer Basic or Trail Blazer Elite, and your insurance ID card includes the following Express Scripts logo, you can submit your prescription claim to Express Scripts directly, online or by mail:

 

 

By Mail:

Please mail your completed Prescription Reimbursement claim form, copy of the prescription, and receipt(s) to Express Scripts at the following address:

Express Scripts
PO Box 14711
Lexington, KY 40512 

 

Online: Visit www.express-scripts.com to submit your claim to Express Scripts directly.

Express Scripts - Prescription Claim Form

 


 

Need assistance? 

 

Our team is standing by to help with any questions you may have. Give us a call at 1-877-738-5787 or email us at info@intlstudentprotection.com and we'll respond to your inquiry shortly.