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Hospitalization and Maternity Benefits

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Hospitalization and Maternity Benefits
  IMG Cigna GeoBlue
Hospitalization Semi-private or private rooms, depending on plan Semi-private or private rooms, depending on plan Included
Intensive Care Included Included Included
Maternity Included in Platinum plan after 10 month waiting period ($2500 additional deductible and $50,000 maximum lifetime benefits) 12 month wait for Gold and Platinum plans (up to $7,000 for Gold and up to $14,000 for Platinum) Immediate with Select plan, 364 day wait for maternity upgrade. Covered as any other condition to the unlimited policy maximum
PPO Network Inside the U.S.: FirstHealth or UnitedHealthCare Network

 

Outside the U.S.: Expansive network

Inside the U.S.: Cigna Open Access Network

 

Outside the U.S.: Over 1 million providers worldwide with direct billing options available, no out of network penalty

Inside the U.S.: Blue Cross Blue Shield PPO (92% of doctors, 96% of hospitals participate with BCBS PPO)

 

Outside the U.S.: GeoBlue elite contracted & profiled providers or you choose medical providers, direct billing is available for inpatient and outpatient, no pentaly out of network

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