Direct Billing through International Health Insurance

Direct payment through commercial insurance

Step 1

Confirm Coverage and Obtain Pre-Authorization

Provide Your Insurance Information

Please inform our International Patient Services Center of your international health insurance at booking and provide a copy of your insurance card (policy number, group number, and insurer's contact details).

Insurance Verification

Our specialists will verify your eligibility, benefits, and coverage with your insurer. Final coverage is determined by your insurer based on your policy terms.

Pre-Authorization

Many major treatments and surgeries require pre-authorization. Our team will help prepare the medical reports and documents required by your insurer. Without pre-authorization, claims may be denied. Please note: pre-authorization does not guarantee payment.

Step 2

Confirm Financial Arrangements and Receive Care

Guarantee of Payment

Treatment will be scheduled after pre-authorization or Guarantee of Payment (GOP) is received and financial arrangements are confirmed. A GOP is the insurer's commitment to directly pay eligible charges, subject to policy terms.

Your Financial Responsibility

Your policy may not cover all charges—you may owe deductibles, copays, coinsurance, excluded services, or amounts above your policy limit. Any estimated patient responsibility must be paid prior to treatment unless other arrangements are made.

Focus on Your Care

Once financial arrangements are confirmed, you can focus on your care with peace of mind.

Step 3

Direct Claim Submission and Final Settlement

We will submit your claim and medical bills directly to your insurer and provide all required records and itemized billing documents. You will receive a final statement showing the insurer's payment and your remaining balance.

We offer direct billing with 40+ insurers—see our list. If your insurer does not participate or direct billing is not approved, we will supply the documentation needed for you to claim reimbursement.