Alliant Federation 
Compare your health plan options
Gold and Silver are temporary international medical/travel insurance plans, and both include Virtual Urgent Care. Virtual Urgent Care is not insurance, and you can also get it on its own. Prices shown come directly from our current rate table.
Your plan options
Gold Plan
Temporary medical insurance administered by IMG that helps pay for emergencies, hospital stays and other medical bills while you are in the U.S. Through age 64, its maximum coverage limit is higher than Silver's. It also includes Virtual Urgent Care, which is not insurance: a doctor by phone, video, text or email, 24/7, in Spanish or English.
$5.61 / day
- Up to $500,000 USD in medical expenses
- Emergency medical evacuation up to $1,000,000
- Emergencies, hospitalization and telemedicine covered
- COVID-19 covered like any other illness
Silver Plan
Temporary medical insurance administered by IMG that helps pay for emergencies, hospital stays and other medical bills while you are in the U.S. It costs less than Gold, and its maximum coverage limit is lower. It also includes Virtual Urgent Care, which is not insurance: a doctor by phone, video, text or email, 24/7, in Spanish or English.
$4.16 / day
- Up to $100,000 USD in medical expenses
- Lower out-of-pocket cost out-of-network (only 10%)
- Emergency medical evacuation up to $1,000,000
- Urgent care and clinic visits with copay from $15
Virtual Urgent Care
A virtual care service, not insurance. Talk to a doctor in Spanish or English from anywhere in the U.S. Use it for common problems like flu, fever or infections. It does not pay for hospital stays or emergency room visits. Gold and Silver already include it.
$39.00 / month
- Unlimited 24/7 doctor consults
- No deductible, no copays
- By phone, video, text or email
- Covers your whole family at no extra cost
Virtual Urgent Care is not insurance. It is included in Gold and Silver, and you can also get it on its own. It is not a substitute for emergency care — for a medical emergency, call 911.
How it works
From comparing plans to using your coverage — here is the whole path.
- Step 1
Compare the plans
Look at Gold and Silver side by side — price, coverage, and what each one does not include — and decide which one works for you.
- Step 2
Enroll online
Enrollment takes a few minutes. You will get a confirmation as soon as it is processed.
- Step 3
Use your coverage
Get your ID card, then use virtual care or an in-network clinic whenever you need it.
Who is responsible for what
Your coverage
Gold and Silver are temporary international medical/travel insurance. The insurer is SiriusPoint Specialty Insurance Corporation, and IMG (International Medical Group) is the Plan Administrator — IMG handles claims and pre-certification.
Alliant Federation
We are not the insurer. We help you compare plans, enroll, and answer your questions before and after you sign up.
Gold vs. Silver vs. Virtual Urgent Care
| Gold | Silver | Virtual Urgent Care | |
|---|---|---|---|
| Product type | Temporary international medical/travel insurance + Virtual Urgent Care (not insurance) | Temporary international medical/travel insurance + Virtual Urgent Care (not insurance) | Virtual care service (not insurance) |
| Maximum coverage limit | $500,000 through age 64; lower from age 65 (see table by age) | $100,000 through age 69; lower from age 70 (see table by age) | Not applicable |
| Deductible | $500 per period of coverage | $500 per period of coverage | Not applicable |
| U.S. in-network | 100% eligible expenses after deductible | 100% eligible expenses after deductible | Not an IMG claim benefit |
| U.S. out-of-network | 80% after deductible; $1,000 coinsurance out-of-pocket maximum | 90% after deductible; $500 coinsurance out-of-pocket maximum | Not an IMG claim benefit |
| Virtual Urgent Care | Included | Included | Yes — it is the whole service |
| Current approved price reference | $5.61/day; ~$168.30 per 30 days | $4.16/day; ~$124.80 per 30 days | $39.00/month |
Age-based certificate limits
The maximum benefit depends on the plan and on your age. Your Declaration shows the maximum that applies to you.
| Age | Gold | Silver |
|---|---|---|
| Through 64 | $500,000 | $100,000 |
| 65–69 | $100,000 | $100,000 |
| 70–79 | $50,000 | $50,000 |
| 80+ | $10,000 | $10,000 |
Subject to the current Declaration and policy — these figures do not override the controlling Master Policy, certificate, and riders.
What Gold and Silver cover
Worldwide coverage
Coverage length
Deductible
What you pay after the deductible
Urgent and walk-in clinics
Emergency room visits
Prescriptions
Emergency medical evacuation
Pre-certification
Questions people ask before enrolling
Straight answers to the questions that come up most.
Who pays for this — me or my employer?
Who is actually insuring me?
What happens to my coverage if I get let go or change ranches?
Does this information reach my employer or immigration?
How long does enrollment take, and what do I need?
Major limitations you should know
- Routine pre-existing conditions are excluded; limited acute-onset coverage may apply under strict conditions for members under 70.
- Maternity/pregnancy/delivery/newborn care, mental/nervous disorder treatment under IMG, preventive care/routine physicals/immunizations, and many other categories are excluded.
- Workers-compensation-payable or available expenses are excluded; this plan does not fill every workers compensation gap.
- The plan is not PPACA/ACA-compliant and does not provide all required PPACA benefits.
- Direct provider payment and provider participation are not guaranteed.
- The member Declaration and age-based limits control the actual maximum.
- Silver only: there is no coverage if, when you bought the plan, a physician had told you in writing that you were not medically fit to travel.
- Coverage ends the day you return to your home country. A short visit home of up to 14 days may stay covered if you have already paid for at least 30 days in a row and you are not going home to get treatment.
- Gold and Silver cover your family members only while they are also outside their home country, for example if they travel with you to the U.S. They do not cover family who stay at home.
- If you pay for care yourself, you have 180 days from the date of service to send IMG your complete claim. If IMG asks for more information, you have 60 days to send it. If a claim is denied, you have 90 days to appeal.
Ready to enroll, or want to talk it through first?
Start your enrollment online in a few minutes, or message us on WhatsApp if you still have questions.