Question: May I start my IMG GMI policy before I leave the U.S? And if so what happens if my date to leave the U.S. is moved forward two weeks once my policy has started?
Answer1: Yes, you may have your policy start 30 days before you leave the U.S. For example, if you are leaving the U.S. on July 1st, you may have your policy start on June 1st, and can apply for coverage starting on May 1st.
Answer 2: Going with the above scenario on Answer 1 your date to leave the U.S. has been moved to July 15th. No worries! This can be moved. However, do keep in mind that the first 30 days of your policy cannot be more than 30 days. Thus, if you have your policy moved to July 15th this means your policy start date is moved to June 16th, 30 days from your new date of leaving the U.S. This is due to the new health care laws that were signed into law in 2010. The U.S. government wants to make sure your international insurance policy, your GMI policy, is primary for those who are going to be and who are residing overseas.
One of the wonderful benefits of the GMI policy is that you do have 12 months of U.S. coverage during a 24 month policy period. However, since your GMI policy is a brand new international insurance medical policy for you then this 30 day “window” has to be followed exactly.