PROVIDER NETWORKS

India Network Health Plan is the most flexible plan available, allowing policy holders to choose the doctor or hospital of their choice. The Accident and Health Claims Division of the Chartis Insurance uses 'Coalition America' Network as their primary wholesale network provider for the United States and Canada. Coalition America has contracts with several networks around the United States and Canada. Your benefits can go a long way by using negotiated network prices if you choose one of the physicians from the Coalition of America Network. Of course, policy holders can choose ANY provider outside the Coalition America list and there are no penalties for using providers other than the ones in the list.

Search for Providers & Hospitals and Print Appointment card (use Pin: 3014)

Please note India Network program is a open program and you are allowed to visit any health care facility nearest to you. The list of Service Providers is just an indicative of those participating in Coalition America Network.

India Network Health Insurance claims are handled by Chartis Accident and Health Claims.  A Number of Claims Adjusters are dedicated to handle India Network Health Plan claims along with a supervisor and other staff who provide assistance in resolving claims quickly. 

1. Claim Form - Complete the Claim Form whenever you use the insurance - once for every sickness or fax the PDF Claim Form to (866) 893-5984. This is required even though the providers file directly with Insurance. Unless until this form is received your claim from provider will NOT be Processed.

2. HIPPA Form - Complete this form to Discuss Claims of your visitors

When the Insured Get's Sick with Cold, Cough, Fever, or some other minor health issue, you have two options:

a) Use the Consult a Doc Program to seek an opportunity to discuss your medical condition with a Board Certified Physician in the United States and get a prescription if needed. ONE consultation is provided free of cost to you if your insurance policy has the pre-existing condition rider( ie -P at the end)  OR

b) Check your yellow pages and consult a local physician office for appointment; you are responsible for the deductible amount ($75 or $250 for < 70 years old or $500 per sickness for 70 plus). The Insurance Card should be presented to the provider at the time of service. Complete Section A of the claim form and mail to Chartis A&H Claims Office. If you have paid the physician out of pocket, have Section B of the claim form completed by the physician's office and mail that along with Section A. India Network soon will have a dedicated fax line to take the claims.

The Claims Office employ a super network of PPOs so that you do not need to worry whether a particular physician is in the network or out-of-network.

c) Medical Emergency: If your policy has -P at the end (ie you have taken the pre-existing condition coverage rider), all emergency care visits are covered irrespective of the reason - whether it is due to a pre-existing condition or a new problem. See the Program Details for the amount available for pre-ex condition emergencies under 100K and 150K program for < 70 years old and 50K policy for 70 Plus years old.

THERE ARE NO PRE-AUTHORIZATION REQUIREMENTS. PLEASE DO NOT WASTE TIME IN TRYING TO REACH OUR OFFICE. YOU DO NOT NEED ANY PERMISSION TO SEEK EMERGENCY CARE WHEN NEEDED. If you take pre-existing condition rider (offered for all age groups), you are assured of coverage for all medical emergencies, surgeries, hospitalizations... no exclusions of diseases (amount vary by age and the program chosen - see program link for details).

What does Claims Office Do?

1) VERIFY INSURANCE COVERAGE - Keeping your name, Date of Birth (DOB), passport number as given in the insurance form would help identifying your coverage quickly. If you provide one DOB to India Network, something else to the Physician office (careful with mm/dd/yyyy format used in the US) Claims, the claim would be delayed indefinitely.

2. SEEK MEDICAL RECORDS FROM ATTENDING PHYSICIAN/HOSPITAL. In some cases, it is not clear on the claim form, and the claims office may request medical records at their own cost to determine benefits. A Check will be issued in the name of Insured Visitor or the Doctor/Hospital within 3 to 6 weeks for all covered claims. The claims office uses large networks to ensure best possible contracted price for the services rendered.

3. In the event a claim is denied, you will receive Explanation of Benefits and reason for denial. You are welcome to contact the examiner to seek additional information or India Network Office to help you understand your benefits. Under no circumstances, an insured purchasing $50,000 policy can expect or receive benefits of $100,000 policy. SO BE CAREFUL IN CHOOSING THE LOWEST PREMIUM POLICIES.  UNDERSTAND THE BENEFITS CLEARLY BEFORE YOU CALL CLAIMS.

************more questions -- call our office 407-243-8760 ******