Questions regarding purchase, enrollment, or cancellation
should be addressed to ISEP
Questions regarding benefits, coverage, and claims
should be addressed to the insurance administrator, ASRM
. Questions regarding assistance services such as medical evacuation, repatriation, and medical referrals outside the USA should be addressed to UHC Global
Summary of Benefits and Coverage
Click here for policies in effect on or after July 1, 2014
The ISEP Full Insurance Policy requires that you have two identification cards - the BCS Medical Insurance card and the FrontierMEDEX identification card.
The ISEP Full Insurance Policy (IEES & FrontierMEDEX) provides the following benefits (note that the Medical Evacuation and Repatriation Policy only applies to items 4 - 7):
- The Basic Medical Expense Benefit pays 100% of covered accident and sickness expenses up to $25,000; subject to a $50 deductible per policy year;
- Once the Basic Medical Expense Benefit has been exhausted, the Supplemental Major Medical Benefit pays 80% of covered accident and sickness expenses until the covered person has paid $5,000 out-of-pocket (20% co-insurance + per policy year deductible);
- After the maximum out-of-pocket amount under the Supplemental Major Medical Benefit has been met, the plan pays 100% of covered accident and sickness expenses under the Catastrophic Major Medical Benefit;
- Medical evacuation;
- Repatriation of remains (in the event of death);
- Accidental death, dismemberment and loss of sight;
- FrontierMEDEX for 24-hour worldwide medical and travel assistance.
Benefits for Dependents
Benefits for dependents are the same as those described above, except that the accidental death, dismemberment and loss of sight benefits are $10,000 for a spouse and $5,000 for each child.
FrontierMEDEX for emergencies outside of the U.S.
(Please note that FrontierMEDEX is only valid for emergencies that occur outside the United States. If a covered person needs assistance within the U.S., please contact ASRM, LLC.)
A unique component of a covered person's IEES plan is the FrontierMEDEX worldwide medical and travel assistance. This assistance includes referrals to doctors or hospitals, coordination of payment with the provider, and assistance with lost prescriptions or travel documents. Multilingual services are available. To access these services contact FrontierMEDEX directly. When a covered person calls, they will need to provide their name, the specific number assigned to the group (FrontierMEDEX ISEP ID is #359631), the covered person's school name, and a brief description of the covered person's problem.
What's Not Covered
- Expenses incurred within the covered personís home country or country of regular domicile.
- Treatment or services provided by any member of the covered personís immediate family; or for which no charge is normally made.
- Routine physical examinations and routine testing; preventive testing or treatment; screening examinations or testing in the absence of injury or sickness except for preventive services as required under the Affordable Care Act or otherwise provided for under the policy.
- Dental care or treatment other than care of sound, natural teeth and gums required due to an injury resulting from an accident while the covered person is insured under the policy, and rendered within 12 months of the accident.
- Eye examinations; prescriptions or fitting of eyeglasses and contact lenses; eyeglasses, contact lenses or other treatment for visual defects and problems, except as required as a result of a covered injury. "Visual defects" means any physical defect of the eye that does or can impair normal vision.
- Hearing examinations or hearing aids; or other treatment for hearing defects and problems, except as required as a result of a covered Injury. "Hearing defects" means any physical defect of the ear that does or can impair normal hearing.
- Routine foot care, including the treatment of corns, calluses and bunions.
- Treatment of congenital anomalies and conditions arising or resulting directly there from.
- The diagnosis and treatment of acne.
- Cosmetic surgery, except cosmetic surgery which the covered person needs as the result of an accident which happens while the covered person is insured under the policy or reconstructive surgery needed as a result of a congenital disease or abnormality of a covered newborn dependent child which has resulted in a functional defect.
- The diagnosis and treatment of infertility.
- War or any act of war, declared or undeclared; or while serving in the armed forces of any country (a pro-rata premium will be refunded for such period of service).
- Participation in a riot or civil disorder; fighting or brawling, except in self-defense; commission of or attempt to commit a felony.
- Benefits for suicide, attempted suicide or intentionally self-inflicted injury while sane or insane are limited to $10,000.
- Skydiving, parachuting, hang gliding, glider flying, parasailing, sail planing, bungee jumping, or flight in any type of aircraft, except while riding as a fare-paying passenger on a regularly-scheduled airline.
- Treatment that is not incurred by a covered person while insured hereunder.
- Charges used to meet any deductible, or in excess of the coinsurance level, or in excess of those considered usual, customary, and reasonable charges.
- Rest cures or custodial care (whether or not prescribed by a physician), or transportation.