How & When to Precertify with Morgan White

Non-emergency health procedures must be precertified

In the event of non-emergency medical event, the insured or the admitting physician must submit a precertification form and all supporting documents a minimum of fifteen (15) days prior to admission to certify the admission based upon proven medical necessity.

In the event of an emergency admission, the insured or the hospital in which the Insured is confined must contact the insurance administrator within forty-eight (48) hours of admission and/or confinement, regardless of whether or not said individual has been discharged. See this article on how to contact Morgan White. 

In either event of hospitalization, the administrator must receive complete medical information to evaluate the case, including the admission report from the hospital, diagnosis, treatment required and expected date of discharge. If surgery was required, the administrator will need the surgeon’s report and the anesthesiologist report. 

When notified in advance, and if the claim is considered admissible, the administrator will send a guarantee of payment (GOP) to the hospital in accordance with the certificate conditions the Primary Insured has chosen. The administrator will settle the claim directly with the hospital. Failure to comply with the above guidelines will result in a penalty and/or reduced benefits.

If you are involved in a health emergency abroad, get the injured person to a hospital immediately. 

Either call an ambulance, or coordinate transportation to the hospital of choice of the injured party. It is best to have one in mind you trust ahead of time, especially if you're in a rural area. Here is a list of global emergency numbers. Read our Guide to Health Emergencies.

First, you will want to contact Morgan White at +1-305-442-0899. Alert them of the emergency, which hospital you are in, and what will be happening. It is a good idea to have someone at the hospital nearby to offer additional information.

When you are connected to a customer service worker, they will ask for your policy number. This is the fastest way to confirm your insurance status. We recommend carrying your insurance card on you at all times so that you have this number readily available. Once they have verified your insurance status with Morgan White, they will attempt to set up a direct-pay agreement with the hospital where you are located.

Next, contact our claims department at claims@expatinsurance.com and/or contact us by WhatsApp at +52 1 415 167 0886. We will be able to assist you with your emergency, the provider, and Morgan White.

One important thing to remember if you are hospitalized due to an emergency is that you have up to 48 hours to notify Morgan White. Otherwise, you will be penalized by a certain percentage.

It's important to also send an email to customerservice@morganwhiteintl.com detailing your symptoms, who your treating doctor is, and where you are hospitalized, so that there is a paper trail in case of any confusion down the road.

Hopefully, you will not face any emergencies, but if you do, contact us as soon as possible to help navigate your claims.