ICS focuses on prompt customer service

The essence of health insurance is the payment of claims, and in this area, Global Benefits Group’s claims processing company, International Claims Service (ICS), prides itself on timely and responsive customer service. The ICS service commitment, our worldwide network of direct pay facilities, and a unique commitment to local support, combine to provide an unmatched level of service in the processing and payment of claims.

ICS is staffed with experienced claims processing professionals, fully conversant with the needs of international clients. ICS is committed to providing prompt and professional service for all claims.

To provide such service, ICS has developed proprietary claims software, specifically developed to handle the complexities of international claims. Due to the wide use of network facilities, both within the U.S. and around the world, a majority of claims will not require the submissions of paperwork or any cash layout by the members. The facilities will bill and be reimbursed directly by ICS.

ICS offers 4 easy ways to submit claims

1. Click on Online Claim Submission to log in and complete the form.
2. Mail the Claim form and documentation to below address:
• International Claims Services
  26000 Towne Centre Drive, Suite 130
  Foothill Ranch, CA 92610 USA.
3. Fax claims to: +1.949.916.7943
4. Scan and E-mail claims to: eclaims@gbg.com

Claims reimbursement made easy around the globe

Receiving claims reimbursement in other countries is often a time consuming and frustrating process because of the many banking and currency issues required by many different jurisdictions and financial institutions. GBG has developed a global network of Direct Billing providers to minimize the effort in obtaining health care and then asking for reimbursements. When our member uses one of our contracted providers, they simply present their GBG/TieCare ID card and the facility bills us directly.

There are times, however, when direct contracted providers are not available or are not convenient. To help our members deal with this complexity, GBG offers three methods for the payment of claims. While there are advantages and disadvantages to each, we have designed this menu of choices with the goal to minimize the cost and inconvenience in obtaining medical claims reimbursements.

1. Direct ACH (Automated Clearing House): GBG can deposit reimbursements to your U.S. - based bank or checking account.
• Advantages: Instant transfer of funds. No fees applied to transfers.
• Disadvantage: Only available to holders of U.S. bank accounts.
2. Wire transfer: GBG can make payment of claims reimbursement by wire transfer directly to a non-U.S. bank account.
• Advantages: Instant transfer of claims reimbursements, easy to set up and withdraw money.
• Disadvantage: Subject to data and transmission errors, may be subject to additional fees by receiving and/or intermediary financial institution. Subject to rate of exchange if receiving bank is not a U.S. dollar account.
3. Payment by check: GBG can issue a check payable to the member and mailed to the members home or work location.
• Advantages: Simple to issue and deposit, checks are recognized globally and payment can be stopped if misplaced or diverted.
• Disadvantage: Can be lost or misplaced, may be subject to "holds" by foreign institutions and to "check cashing fees".
4. Claims Reimbursement Card: The member receives a MasterCard debit card that is credited with an amount equal to the claims reimbursement.
• Advantages: Secure receipt and instant transfer, can access funds in local currency at ATMs in most locations. Can be used for retail and on-line purchases.
• Disadvantage: Does not work in some countries if ATMs are not linked to global network. Subject to ATM transaction fees.