Around-the-clock eligibility and benefits verification, medical and dental      provider referrals, claim status, and medical advice/consultations

Alliance with the world’s leading assistance company, International SOS,      for coordinating health care management services

Access to a global, pre-screened network of more than 3,000 hospitals      and doctors for more than 190 countries of the world

Access to one of the largest and most comprehensive U.S.-based      preferred provider directories

Online access to Country Guides: Health, cultural, security and pre-travel      information

Immediate access to on-duty physicians around the world for medical      advice, consultation and treatment

Referrals through a global network of medical and dental providers

Coordination of hospital admissions as needed

Guarantee/advance payment of international hospital and clinic fees

Medical monitoring outside the United States

Case management for confinements within the United States

Emergency prescription replacement/transfer outside the United States

Hassle-free claims processing, including reimbursement in 10 days or      less for more than 90% of claims