Alliant Federation 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
≈ $168.30 every 30 days
What this plan includes
Highlighted — the main difference between Gold and Silver.
- 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
- Deductible: $500 per insured person
- In PPO network and international: plan pays 100%
- Out-of-network (USA): plan pays 80%, out-of-pocket max $1,000
- Hospitalization, ICU, surgery, laboratory and X-rays
- Urgent care: $25 copay · Walk-in clinic: $15 copay
- Prescription drugs (up to $250,000)
- Emergency reunion: up to $100,000
- Emergency local ambulance
- Return of mortal remains
- Accidental death & dismemberment (AD&D): $50,000
- Emergency dental treatment: $300
- Lost luggage: up to $500 · Identity theft: up to $500
- Acute onset of pre-existing conditions (under age 70)
What this plan does NOT include
- Pre-existing conditions (except acute onset)
- Maternity and newborn care
- Mental or nervous disorders
- Preventative care and immunizations
- Not a PPACA (Obamacare) compliant plan
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 | Maximum |
|---|---|
| Through 64 | $500,000 |
| 65–69 | $100,000 |
| 70–79 | $50,000 |
| 80+ | $10,000 |
Reference table — the exact figures for this plan will appear here once published.
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.