Alliant Federation 
Compare your health plan options
Gold and Silver are temporary international medical/travel insurance plans, each including virtual care. Virtual Urgent Care is a separate, non-insurance service. Prices shown come directly from our current rate table.
Gold Plan
Comprehensive international medical coverage for workers on approved visa programs, with the broadest benefit set available.
$7.01 / day
- Up to $500,000 USD in medical expenses
Gold vs. Silver vs. Virtual Urgent Care
| Gold | Silver | Virtual Urgent Care | |
|---|---|---|---|
| Product type | Temporary international medical/travel insurance + separate virtual-care service | Temporary international medical/travel insurance + separate virtual-care service | Non-insurance virtual-care service |
| Selected IMG maximum | $500,000 subject to age and Declaration | $100,000 subject to age and Declaration | Not applicable |
| IMG deductible | $500 per period of coverage | $500 per period of coverage | Not applicable |
| U.S. in-network | 100% eligible expenses after deductible | 100% eligible expenses after deductible | Not an IMG claim benefit |
| U.S. out-of-network | 80% after deductible; $1,000 coinsurance out-of-pocket maximum | 80% after deductible; $1,000 coinsurance out-of-pocket maximum | Not an IMG claim benefit |
| Virtual care | Included | Included | Included as the entire product |
| Current approved price reference | $5.61/day; ~$168.30 per 30 days | $4.16/day; ~$124.80 per 30 days | TBD before public pricing |
Age-based certificate limits
When maximums are shown, the actual maximum benefit is controlled by age and the current Declaration.
| Age | Maximum |
|---|---|
| Through 64 | Up to $500,000 |
| 65–69 | $100,000 |
| 70–79 | $50,000 |
| 80+ | $10,000 |
Subject to the current Declaration and policy — these figures do not override the controlling Master Policy, certificate, and riders.
Features shared by Gold and Silver
Worldwide coverage excluding the insured person’s country of residence, subject to eligibility and policy terms.
Worldwide coverage excluding the insured person’s country of residence, subject to eligibility and policy terms.
- Routine pre-existing conditions are excluded; limited acute-onset coverage may apply under strict conditions for members under 70.
- Maternity/pregnancy/delivery/newborn care, mental/nervous disorder treatment under IMG, preventive care/routine physicals/immunizations, and many other categories are excluded.
- Workers-compensation-payable or available expenses are excluded; this plan does not fill every workers compensation gap.
- The plan is not PPACA/ACA-compliant and does not provide all required PPACA benefits.
- Direct provider payment and provider participation are not guaranteed.
- The member Declaration and age-based limits control the actual maximum.