Frequently Asked Questions

 

Is CMN a medical services provider?
No. CMN works with our clients, insured members and healthcare providers to facilitate the provision of covered healthcare services. We provide medical assistance and claims administration services accommodating both the insured members and the healthcare providers servicing them.

 

How big is CMN’s preferred provider organization (PPO) network?
CMN’s global PPO network consists of over 7,000 acute care facilities and over 400,000 physicians and specialists in 130 countries.

 

What health specialties are offered through CMN’s PPO network?
CMN’s network covers all medical specialties including, but not limited to, specialized diagnostics testing, neo-natal care, cardiac care, serious trauma injuries or burns, oncology, orthopedic, general and specialized surgery, and organ transplants.

 

Is CMN’s PPO network based only in North America?
No. Through CMN's global network, we provide access to healthcare providers all over the world.

 

 

Contacting CMN Global Inc.

 

How do I get in touch with CMN?
You can contact CMN from anywhere in the world. From North America and most Caribbean islands, you can call CMN toll free at 1.800.310.6970. You can also call us collect at 1.905.669.4333

 

When should I contact CMN?
Depending on the instructions you have received from your insurer, you may be instructed to call CMN the moment medical treatment has been recommended by your treating physician. Otherwise, you should contact CMN the moment medical treatment overseas and financial coverage has been approved. Should a medical emergency arise while traveling overseas, you, a family member, or a hospital representative should contact CMN immediately or within 48 hours of the incident or admission.

 

Should I call CMN if I need a medical evacuation?
Yes. If your insurance covers a medical evacuation, contact CMN immediately if you or a family member requires a medical evacuation. A CMN Case Manager will coordinate transportation details with the hospitals and the air ambulance company. Your Case Manager will ensure all necessary documentation, including medical visas and medical records, are completed and referred to the proper parties.

 

 

Medical Treatment Information

 

Why do I require pre-certification before traveling overseas for medical treatment?
International healthcare can be quite complex. It is very important and in your best interest to fully understand your health insurance coverage and options available prior to establishing a relationship with or making a financial commitment to an overseas provider. CMN will help you determine if the recommended care is appropriate, the extent of your policy benefits, and will assist with coordinating the delivery of care.

 

What information do I need to provide to a healthcare provider?
Upon entering a medical facility or doctor’s office, we recommend you provide your local insurance information card and your supplementary overseas membership card. Presenting the specifics upfront will allow the provider easy access to CMN’s contact information, and will allow us to make sure you are immediately provided with the highest level of care.

 

Does CMN help me throughout my medical treatment?
Yes. Your Case Manager will monitor the care you receive, as well as communicate clearly and regularly with you and your family members. Your Case Manager will also provide logistical assistance when required and coordinate care with your healthcare providers and insurer.

 

In a medical emergency, what can I depend on CMN to do?
Highly trained and experienced case managers, nurse case managers, and CMN’s medical director manage all aspects of your case; from initial contact to your safe arrival back home. This includes pre-authorization, hospital admission, medical appointments, referrals, and follow-up home appointments to ensure your home country physician is informed of the treatment you received abroad and your current medical condition.

 

Will CMN help me obtain medical services in my country of residence?
CMN is primarily here to help and assist you while you are traveling abroad. However, your insurer may have asked and arranged for CMN to provide local administrative and assistance services in your country of residence.

Your local insurer’s office should be your first point of contact to determine whether CMN can assist you with medical services and hospitalization in your country of residence.

 

Can I seek medical care overseas?
Yes. An insured member can travel to the U.S. or overseas to receive medical care after obtaining a referral by a local physician. You are encouraged to contact your local insurer’s office to get your pre-certification for any overseas care and to be referred to CMN for assistance, coordination, and management. Pre-certification will allow you to benefit from the services offered by CMN, and will help to reduce or limit your out-of-pocket financial liability.

 

Can CMN help me locate an overseas healthcare provider or hospital?
Yes. We work with patients and referring physicians to locate and facilitate access to PPO network healthcare providers. CMN can direct you to a healthcare provider and help minimize your co-insurance and out-of-pocket expense, while also conserving your lifetime benefit maximum.

 

 

Medical Billing Information

 

Will CMN pay my medical bills?
That depends. CMN is primarily responsible for facilitating the receipt, review and settlement of your medical bills; however, we have the ability to pay medical bills and do so on behalf of some insurance company clients.

CMN will also negotiate the acceptance of the assignment of benefits with your healthcare providers, virtually eliminating the need for you to provide a large payment prior to treatment.

 

What do I do if my healthcare provider bills me?
Although we make every effort to have CMN receive all medical bills, a bill is sometimes sent directly to your address by the healthcare provider. If this situation arises, immediately forward the bill to your local insurer’s office or call CMN directly. We will review the bill and advise you if there is an out-of-pocket residual that is your responsibility to pay.