Supporting your employees while on international work assignment in the United States /12

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Supporting your employees while on international work assignment in the United States 112088 11/12"

Transcription

1 Supporting your employees while on international work assignment in the United States /12

2 A health plan that suits your Employees unique needs Sending your employees on assignment to the United States (U.S.) has the potential to be a once-in-a-lifetime experience for them both professionally and personally. You expect the best from your employees while they are on assignment. And they expect the same from you. At Cigna, our mission is to provide easy access to quality health care for your globally mobile employees around the world and in the U.S. While employees can access high-quality care at thousands of health care facilities, there s no doubt that visitors to the U.S. may find it to be an overwhelming experience. The U.S. health care system is a mix of private and governmental systems. The government provides health care coverage and benefits for the elderly and poor, while workers and their family members receive private insurance primarily through their employers. In this arrangement, the employer and employee usually share the cost of benefits, also known as cost-sharing. Health Care Reform adds to the complexity of the U.S. health care system. Employees and employers in the U.S. need to understand how the Patient Protection and Affordable Care Act (PPACA) affects their assignment. With Cigna Global Health Benefits, we make it easy for your employees to understand the U.S. health care system. We remove confusion from insurance benefits and terminology, such as in-network versus out-of-network, and copayment versus coinsurance, which may be new concepts to someone navigating the U.S. health care system for the first time. 1

3 Our experience makes managing your employees health plans easy You can count on a global track record that is unmatched. Consider these facts that separate Cigna Global Health Benefits from the rest: ycurrently, we have more customers on assignment than other health care companies in the U.S. ywe have one of the largest U.S.-based networks of health care professionals of any international health service company. ywith more than one million health care professionals, clinics, and facilities worldwide, we offer one of the largest networks of doctors and hospitals. ycigna is one of the world s largest and oldest health care organizations in the industry. In fact, Cigna Global Health Benefits has some of the most significant on-the-ground overseas operations of any U.S.-based health service company. Easy access to quality health care in the U.S. In the United States, your employees have access to the Cigna U.S. network of health care facilities. A participating Cigna network health care professional, means that the doctor, hospital, or clinic has agreed to charge lower fees and bill Cigna directly for services. If a plan has innetwork benefits, we encourage employees to take advantage of the lower fees that participating health care professionals have agreed to charge Cigna. Customers simply show their ID card to take advantage of cost-saving benefits. Accessing care outside the U.S. Plans may also allow for care to be accessed outside of the U.S., including your employee s home country. Our global network of health care professionals is ideal for your employees to use when they return home for a visit, for family members back in their country of permanent residence, or when an employee needs to travel globally on business, expect where prohibited under applicable law. As one of the top providers of international health care solutions, Cigna Global Health Benefits cares for customers worldwide, representing the largest customer base of globally mobile employees. Cigna Global Health Benefits has been recognized as International Benefits Provider of the Year for the second year in a row by the Forum for Expatriate Management (FEM), demonstrating our commitment to customers and clients. FEM is an online community of International Human Resource and Global Mobility professionals. Around the clock assistance Your employees will be fully supported 24 hours a day, 7 days a week in their preferred language by our in-house Service Centers. Whether an employee calls about an emergency, to discuss their long-term illness, or simply to inquire about their benefits, our team is here to help. Global health solutions Cigna Global Health Benefits has clinical operations teams located around the world. In the United States, we have medical specialist resources to provide quality support. Our clinical operations team is responsible for international case management and medical monitoring with a focus on global consistency and local delivery. We have in-house Medical Directors, including a Chief Medical Officer. We also have in-house Nurse Case Managers and a clinical support staff. All members of our Clinical Operations team work to provide your employees with quality medical support, no matter where their assignments may take them. Additionally, Cigna uses the services of CareAllies within the United States. This case management partner oversees patient care through telephonic assessment, planning, coordination, monitoring, and evaluation of appropriate cost-effective treatments. CareAllies is a full-service offering for U.S. cases including: ymedical case management services for a variety of medical, surgical, or trauma related illnesses, and injuries. ybehavioral Health case management for all mental health and substance abuse diagnoses. 1

4 How we help Case study (The following case study is an example of how the Clinical Staff at Cigna Global Health Benefits helps our customers. This story is based on an actual case. The person involved has given their express permission to portray certain events.) A 28- year-old female Indian national, working in California, was struck by a vehicle while crossing the street. She suffered numerous traumas, including a crushed pelvis, head injuries, multiple fractures of the upper and lower extremities, liver and bladder lacerations. The woman required multiple surgeries and was on a ventilator for several weeks. Case managers maintained close contact with the customer s family during this time. Her brother, the first family member to arrive from India, needed to secure larger living space to accommodate additional family members who would help care for the woman once she was released from the hospital. The woman was later discharged to a rehabilitation facility for six weeks with cognitive and functional impairments, including the inability to walk and feed herself. She was then discharged to intense physical rehabilitation at home for seven-and-a-half weeks. After the completion of rehabilitation, she was moved to an outpatient physical rehabilitation center for 12 weeks. The case manager and medical director collaborated with CareAllies and the rehabilitation specialist, as well as the family, to monitor her care and anticipate her discharge needs. During this collaboration, there was discussion regarding her ability to return to work as a software engineer, or if she should return to India. Many scenarios were taken into consideration including her ability to fly, whether or not the company would keep her job open, and her lack of insurance coverage if she returned to India. After careful review, it was determined that there was no benefit for the woman to return to India. The woman s family members would take turns serving as the primary caregivers once she was discharged home. The woman progressed well with rehabilitation, and contrary to earlier predictions, returned to work full time nine months later. 2

5 Customize your plan We offer a flexible health care plan for your employees specific needs. Coverage considerations yin-patient and out-patient coverage yvision Care ydental Care yinternational Employee Assistance Programs (IEAP) yrepatriation of mortal remains ycigna Pharmacy Management (U.S.) ycigna Home Delivery Pharmacy Program (U.S.) ylife Insurance* ylong -Term Disability (LTD)* yaccidental Death & Dismemberment Coverage (AD&D)* Not just health care, Real life care. In addition to our health care offerings, we also provide the following services: yadvise how to recover or replace lost documents like passports and credit cards ycoordinate emergency travel arrangements for family members who escort another family member to the hospital yprovide personal emergency telephone translation services yhelp finding the right doctor or hospital closest to your location yfind or replace prescription medication ycoordinate emergency travel arrangements for children under the age of 18 who are left unattended if a family member becomes sick yhelp obtain necessary documents for medical insurance claims yarrange for an emergency medical evacuation Knowing your employees have quality medical coverage is not the only thing you get with Cigna Global Health Benefits. While in the U.S., your employees can access and use a variety of popular services found on our website, With this program, Cigna rewards your employees for using tools, programs, and services, such as the Healthy Rewards discount program, which will help them to stay healthy, while saving money whenever they go to a Healthy Rewards participating partner. Online interactive Smart Health Tools are also available to all registered users of Cigna Envoy. The tools include user-friendly personal calculators designed to assist your employees with identifying health issues, learn what actions they should take to address those health issues, and find resources to learn more about potential health concerns. * Supplemental benefits may be added to medical benefit plans 3

6 All an employee needs to do is contact Cigna. To learn more about the unique offerings we can provide to your employees, please visit or call Everything you need to rest easy when your employees are on assignment in the United States.

7 We ve got your employees covered

8 Easy Access to Quality Health Care Around the World. Cigna refers to Cigna Corporation and/or its subsidiaries and affiliates. Cigna Global Health Benefits refers to these subsidiaries and affiliates. Products and services are provided by these subsidiaries, affiliates and other contracted companies and not by Cigna Corporation. Cigna is a registered service mark. This material is provided for informational purposes only. It is believed accurate as of the date of publication and is subject to change. Such material should not be relied upon as legal or medical advice. As always, we recommend that you consult with your independent legal and/or medical advisors. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited by applicable law. Cigna Global Health Benefits web-based tools, such as CignaEnvoy, are available for informational purposes only. Cigna Global Health Benefits web tools are not intended to be a substitute for proper medical care provided by a physician. References to non-partnered organizations or companies, and/or their products, processes or services, do not necessarily constitute an endorsement or warranty thereof / Cigna. Some content provided under license.

Medical Benefits. Abroad 112074 9/13

Medical Benefits. Abroad 112074 9/13 Medical Benefits Abroad 112074 9/13 1 Everything you need to rest easy Simplicity Flexibility Convenience Ease Medical Benefits Abroad for international business travelers 1 When your employees travel

More information

Offered by Cigna Health and Life Insurance Company, or its affiliates. Medical Benefits. Abroad. Welcome. Kit 112073 12/13

Offered by Cigna Health and Life Insurance Company, or its affiliates. Medical Benefits. Abroad. Welcome. Kit 112073 12/13 Offered by Cigna Health and Life Insurance Company, or its affiliates. Medical Benefits Abroad Welcome Kit 112073 12/13 everything you need to rest easy when you travel overseas on company business. Simplicity

More information

Medical Benefits. Abroad. Welcome. Kit 112073 7/12

Medical Benefits. Abroad. Welcome. Kit 112073 7/12 Medical Benefits Abroad Welcome Kit 112073 7/12 everything you need to rest easy when you travel overseas on company business. 2 Simplicity Flexibility Convenience Ease Welcome to Cigna. Traveling on international

More information

FOR NON-GOVERNMENTAL ORGANIZATIONS (NGO) Supporting your people on global assignment

FOR NON-GOVERNMENTAL ORGANIZATIONS (NGO) Supporting your people on global assignment FOR NON-GOVERNMENTAL ORGANIZATIONS (NGO) Supporting your people on global assignment Offered by: Cigna Health and Life Insurance Company or its affiliates. 112211 a 05/15 Health plans and services that

More information

SHORT-TERM ABROAD Health care benefits for your mission workers

SHORT-TERM ABROAD Health care benefits for your mission workers SHORT-TERM ABROAD Health care benefits for your mission workers 112331 2/15 Offered by: Cigna Health and Life Insurance Company, Connecticut General Life Insurance Company or their affiliates. 1 OUR MISSION:

More information

Informational Series. Community TM. Glossary of Health Insurance & Medical Terminology. (855) 624-6463 HealthOptions.

Informational Series. Community TM. Glossary of Health Insurance & Medical Terminology. (855) 624-6463 HealthOptions. Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions

More information

You re one step closer to simple health care.

You re one step closer to simple health care. welcometouhc.com You re one step closer to simple health care. SIMPLE - A GUIDE TO YOUR 2016 UNITEDHEALTHCARE BENEFITS Health care can be hard. We re here to help you through it. You can count on us to

More information

Insurance 101 for Students

Insurance 101 for Students Insurance 101 for Students Health Care in the United States The U.S. does not offer free medical care to the general public Medical care is very expensive Doctor office visit: $150 - $200 Annual asthma

More information

North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS

North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS North Carolina Institute for Early Childhood Professional Development HEALTH INSURANCE: INFORMATION AND TIPS FOR CHILD CARE EMPLOYEES AND EMPLOYERS Often times in the early care and education field we

More information

How We Make Sure You Get the Best Health Care

How We Make Sure You Get the Best Health Care How We Make Sure You Get the Best Health Care Table of Contents Quality Improvement... 1 Care Management... 2 Utilization Management: Working to Get You Covered and Necessary Care... 3 Behavioral Health...

More information

National Guardian Life Insurance Co.: Platinum Level - Dean College Coverage Period: 8/14/15-8/13/16

National Guardian Life Insurance Co.: Platinum Level - Dean College Coverage Period: 8/14/15-8/13/16 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 33653ME010030915 Community Balance H S A Coverage Period: [1/1/2016-12/31/2016] This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: 19304NH01000010915-01 Community Basic H S A (Bronze) Coverage Period: [1/1/2016-12/31/2016] This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms

More information

2014-2015 Student Health Insurance Plan

2014-2015 Student Health Insurance Plan 2014-2015 Student Health Insurance Plan School of Visual Arts Insurance Requirement SVA requires that all registered, matriculated students have Health Insurance that will provide adequate coverage throughout

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthoptions.org or by calling 1-855-624-6463. Important

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.maineoptions.org or by calling 1-855-624-6463. Important

More information

Standard Life And Accident Insurance Company: PremiumSaver

Standard Life And Accident Insurance Company: PremiumSaver This is only a summary. This plan is supplemental to your group s major medical plan. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document

More information

Benefits Summary UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan

Benefits Summary UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan UNUM - Group Term Life/AD&D & Voluntary Life/AD&D Plan Benefits Summary Basic employee life insurance 1x base annual earnings rounded to the next higher $1,000 to a maximum benefit of $300,000 Supplemental

More information

CIGNA INTERNATIONAL EXPATRIATE BENEFITS. MBA : Medical Benefits Abroad. Important Travel Documents

CIGNA INTERNATIONAL EXPATRIATE BENEFITS. MBA : Medical Benefits Abroad. Important Travel Documents CIGNA INTERNATIONAL EXPATRIATE BENEFITS MBA : Medical Benefits Abroad Important Travel Documents Contact Card Free Phone: +1.800.243.1348 (If dialing internationally, use that country s AT&T Direct access

More information

National Guardian Life Insurance Company Maine College of Art Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016

National Guardian Life Insurance Company Maine College of Art Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016 J3A59 National Guardian Life Insurance Company This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com

More information

Consumer Guide to. Health Insurance. Oregon Insurance Division

Consumer Guide to. Health Insurance. Oregon Insurance Division Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.

More information

Life & Health Insurance Advisor

Life & Health Insurance Advisor Life & Health Insurance Advisor MRCT Benefits Plus is a comprehensive employee benefits, wellness and Human Resources consulting firm offering a variety of financial services to businesses and individuals

More information

National Guardian Life Insurance Company: Rider University International Student Health Insurance Plan Coverage Period: 08/20/2015-08/20/2016

National Guardian Life Insurance Company: Rider University International Student Health Insurance Plan Coverage Period: 08/20/2015-08/20/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at austintexas.gov/benefits or by calling 512-974-3284. Important

More information

Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016

Student Health Insurance Plan Insurance Company Coverage Period: 07/01/2015-06/30/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Even though you pay these expenses, they don t count toward the out-ofpocket limit.

Even though you pay these expenses, they don t count toward the out-ofpocket limit. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Cigna Open Access Plans for Tennessee

Cigna Open Access Plans for Tennessee Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Open Access Plans for Tennessee medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858436 a 12/12 Services

More information

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016

National Guardian Life Insurance Company: Earlham College Student Health Insurance Plan Coverage Period: 08/01/2015-07/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

National Guardian Life Insurance Company: Kuyper College Student Health Insurance Plan

National Guardian Life Insurance Company: Kuyper College Student Health Insurance Plan This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Companion Life Insurance Company: Middlebury College Student Health Insurance Plan Coverage Period: 08/15/2015-08/14/2016

Companion Life Insurance Company: Middlebury College Student Health Insurance Plan Coverage Period: 08/15/2015-08/14/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.sharphealthplan.com or by calling 1-800-359-2002. Important

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Effective Date: The date on which coverage under an insurance policy begins.

Effective Date: The date on which coverage under an insurance policy begins. Key Healthcare Insurance Terms Agent: A person who represents an insurance company and solicits or sells the company s insurance products. An agent may represent a single company or multiple companies.

More information

National Guardian Life Insurance Company: Post University Student Health Insurance Plan Coverage Period: 08/14/2015-08/13/2016

National Guardian Life Insurance Company: Post University Student Health Insurance Plan Coverage Period: 08/14/2015-08/13/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Aetna Medicare Advantage HMO SHBP Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Aetna Medicare Advantage HMO SHBP Summary of Benefits and Coverage: What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.state.nj.us/treasury/pensions/health-benefits.shtml or

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

GROUP MEDICARE. supplement plans

GROUP MEDICARE. supplement plans 2016 GROUP MEDICARE supplement plans Create a Healthier Organization Your employees are your organization s most valuable asset. As they retire, you want to show your commitment to them and manage health

More information

BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest

BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest BridgeSpan Health Company: BridgeSpan Oregon Standard Gold Plan MyChoice Northwest Summary of Benefits and Coverage: What this Plan Covers & What it Costs Questions: Call 1 (855) 857-9943 or visit us at

More information

High Deductible and HSA Qualified Plans

High Deductible and HSA Qualified Plans High Deductible and HSA Qualified Plans For individuals and families HIGH DEDUCTIBLE PLANS Insuring Minnesota One Life At A Time w w w.preferredone.com Dear Prospective Members: Thank you for your interest

More information

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015

MEDICARE PLANS. from Blue Cross and Blue Shield of Minnesota. H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 2016 MEDICARE PLANS from Blue Cross and Blue Shield of Minnesota H2461_082715_T01 CMS Accepted 09/09/2015 S5743_082715_B04_MN CMS Accepted 09/09/2015 CHOOSING YOUR MEDICARE PLAN Medicare options designed

More information

What is the overall deductible?

What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Helping provide financial security Medicare Supplement Insurance

Helping provide financial security Medicare Supplement Insurance Underwritten by American Continental Insurance Company Helping provide financial security Medicare Supplement Insurance An Aetna Company Plans A, B, F, High Deductible F, G, N Missouri ACIMS01711MO 101612

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Health Care Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Health Care Options Important health plan information enclosed. Why am I receiving this booklet? Through Lockton Select Marketplace, we are able to offer a

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014

United States Fire Insurance Company: International Technological University Coverage Period: beginning on or after 9/7/2014 or after 9/7/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: PPO This is only a summary. If you want more detail about your coverage and

More information

Understanding the Mental Health Parity Law An employer s guide to the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act

Understanding the Mental Health Parity Law An employer s guide to the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act Understanding the Mental Health Parity Law An employer s guide to the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 Spring 2009 A b r i e f o v e r v i e w o f

More information

Companion Life Insurance Company: Saint Xavier University Student Health Insurance Plan Coverage Period: 08/11/2015-08/10/2016

Companion Life Insurance Company: Saint Xavier University Student Health Insurance Plan Coverage Period: 08/11/2015-08/10/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

More information

What is Home Care Case Management?

What is Home Care Case Management? What is Home Care Case Management? Printed in USA Arcadia Home Care & Staffing www.arcadiahomecare.com Case Management: What is it why is it important? While different approaches to healthcare today are

More information

health insurance Why It s Important & What You Need to Know

health insurance Why It s Important & What You Need to Know health insurance Why It s Important & What You Need to Know HEALTH INSURANCE: WHY IT S IMPORTANT & WHAT YOU NEED TO KNOW Worry Less: Protect Your Health and Your Wallet No one plans to get sick or hurt,

More information

health insurance Why It s Important & What You Need to Know

health insurance Why It s Important & What You Need to Know health insurance Why It s Important & What You Need to Know If you do not have health insurance: Fixing a broken arm can cost up to $7,500 The average cost of a 3-day hospital stay is around Worry Less:

More information

Your Guide to GeoBlue Expat

Your Guide to GeoBlue Expat New York University Abu Dhabi Your Guide to GeoBlue Expat Welcome to GeoBlue, a program designed to keep you safe and healthy as you travel the world. Your GeoBlue Expat health insurance plan features

More information

Monumental Life Insurance Company: Bennington College Student Injury and Sickness Plan Coverage Period: 08/15/2013 08/15/2014

Monumental Life Insurance Company: Bennington College Student Injury and Sickness Plan Coverage Period: 08/15/2013 08/15/2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bollingercolleges.com/bennington or by calling 1-866-267-0092.

More information

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs Connecticut General Life Insurance Co.: Open Access 1000 Plan Coverage Period: Beginning on or after 9/23/2012 Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs! This is

More information

PPO Hospital Care I DRAFT 18973

PPO Hospital Care I DRAFT 18973 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.ibx.com or by calling 1-800-ASK-BLUE. Important Questions

More information

SIMPLICITY. 2015 Your Plan Explained

SIMPLICITY. 2015 Your Plan Explained Hello SIMPLICITY 2015 Your Plan Explained PFIZER UnitedHealthcare Group Medicare Advantage (PPO) Effective January 1, 2015, through December 31, 2015 Group Number: 12367, 12368 Benefit Highlights UnitedHealthcare

More information

ANSWERS TO MOST-ASKED QUESTIONS

ANSWERS TO MOST-ASKED QUESTIONS ANSWERS TO MOST-ASKED QUESTIONS HOW TO GET STARTED WITH YOUR HEALTH PLAN When you first enroll in a health plan with MVP Health Care, you ll receive your MVP Member ID card in the mail. This card and your

More information

What is the overall deductible? Are there other deductibles for specific services?

What is the overall deductible? Are there other deductibles for specific services? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/cuhealthplan or by calling 1-800-735-6072.

More information

Student Health Insurance Plan: Moravian College & Theological Seminary Coverage Period: 8/24/14-8/24/2015

Student Health Insurance Plan: Moravian College & Theological Seminary Coverage Period: 8/24/14-8/24/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bollingercolleges.com/moravian or by calling 1-855-338-8015.

More information

Monumental Life Insurance Company: Millsaps College Student Injury and Sickness Plan Coverage Period: 08/20/2013 08/20/2014

Monumental Life Insurance Company: Millsaps College Student Injury and Sickness Plan Coverage Period: 08/20/2013 08/20/2014 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bollingercolleges.com/millsaps or by calling 1-866-267-0092.

More information

PPO Choice. It s Your Choice!

PPO Choice. It s Your Choice! Offered by Capital Advantage Insurance Company A Capital BlueCross Company PPO Choice It s Your Choice! Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees

More information

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed.

Health Matters. A Guide for Medicare-Eligible Healthcare Options. Important health plan information enclosed. Health Matters A Guide for Medicare-Eligible Healthcare Options Important health plan information enclosed. Why am I receiving this booklet? Brookhaven Science Associates (BSA) has decided to offer SelectQuote

More information

Zoom Health Plan, Inc. (ZOOM+): ZOOM+ Oregon Standard Gold Coverage Period: January 1, 2016 December 31, 2016

Zoom Health Plan, Inc. (ZOOM+): ZOOM+ Oregon Standard Gold Coverage Period: January 1, 2016 December 31, 2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.zoomcare.com or by calling 1-844-ZOOM-777. Important

More information

$6,600 /person $13,200 /family Does not apply to preventive care. Yes. $6,600 /person. Important Questions Answers Why this Matters:

$6,600 /person $13,200 /family Does not apply to preventive care. Yes. $6,600 /person. Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthrepublicinsurance.org or by calling 1-888-990-6635.

More information

The Affordable Care Act and the Health Insurance Marketplace

The Affordable Care Act and the Health Insurance Marketplace The Affordable Care Act and the Health Insurance Marketplace Are You Ready? The Affordable Care Act is here! In March 2010, President Obama signed into law the Affordable Care Act (ACA), putting comprehensive

More information

Connecticut General Life Insurance Co.: Open Access 1000/80% Plan Coverage Period: Beginning on or after 9/23/2012

Connecticut General Life Insurance Co.: Open Access 1000/80% Plan Coverage Period: Beginning on or after 9/23/2012 Connecticut General Life Insurance Co.: Open Access 1000/80% Plan Coverage Period: Beginning on or after 9/23/2012 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for:

More information

Compare your plan options

Compare your plan options SMALL BUSINESS GROUP Compare your plan options 2014 plans for businesses with 1 50 employees I SMALL BUSINESS GROUP Group Health plans offer value, choice, and more A well-run business takes a lot of time,

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: HealthKeepers Anthem HealthKeepers 20 POS / $10/$20/$35/20% Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015 Coverage For: Individual/Family

More information

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.kaiserpermanente.org or by calling 1-800-464-4000. Important

More information

National Guardian Life Insurance Company: Kenyon College Student Health Insurance Plan Coverage Period: 08/15/2015-08/15/2016

National Guardian Life Insurance Company: Kenyon College Student Health Insurance Plan Coverage Period: 08/15/2015-08/15/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

For Retirees of City of Memphis. Features that Add Value. Freedom of Choice. Quality Service Is Part of Quality Care

For Retirees of City of Memphis. Features that Add Value. Freedom of Choice. Quality Service Is Part of Quality Care For Retirees of City of Memphis Features that Add Value The Cigna Medicare Surround indemnity medical plan helps pay some of the health care costs that your Medicare Part A or Part B do not cover such

More information

$1,300 /person $2,600 /family Does not apply to preventative care. Yes. $6,350 /person $12,700 /family. Important Questions Answers Why this Matters:

$1,300 /person $2,600 /family Does not apply to preventative care. Yes. $6,350 /person $12,700 /family. Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.healthrepublicinsurance.org or by calling 1-888-990-6635.

More information

Helping provide financial security Medicare Supplement Insurance

Helping provide financial security Medicare Supplement Insurance Underwritten by Continental Life Insurance Company of Brentwood, Tennessee Helping provide financial security Medicare Supplement Insurance Basic plan with optional riders Extended basic plan An Aetna

More information

UNIVERSITY OF VIRGINIA HEALTH PLAN 2015 SCHEDULE OF BENEFITS CHOICE HEALTH

UNIVERSITY OF VIRGINIA HEALTH PLAN 2015 SCHEDULE OF BENEFITS CHOICE HEALTH UNIVERSITY OF VIRGINIA HEALTH PLAN 2015 SCHEDULE OF BENEFITS CHOICE HEALTH SERVICES PROVIDED Direct Access through UVa Provider Network 1. PLAN COINSURANCE Applies to all expenses unless otherwise stated.

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.alaskacare.gov or by calling 1-800-821-2251. Important

More information

Monumental Life Insurance Company: Northpoint Bible College Student Injury and Sickness Plan Coverage Period: 08/20/2013 08/20/2014

Monumental Life Insurance Company: Northpoint Bible College Student Injury and Sickness Plan Coverage Period: 08/20/2013 08/20/2014 Summary of Benefits and Coverage: What this Covers & What it Costs Coverage for: Individual Type: PPO This is only a summary. If you want more detail about your coverage and costs, you can get the complete

More information

$0 See the chart starting on page 2 for your costs for services this plan covers.

$0 See the chart starting on page 2 for your costs for services this plan covers. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/ca/lausd or by calling 1-800-700-3739. Important

More information

What is the overall deductible? $250 per person/$500 per family. Are there other deductibles for specific services? No.

What is the overall deductible? $250 per person/$500 per family. Are there other deductibles for specific services? No. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.etf.wi.gov or by calling 1-877-533-5020. Important Questions

More information

Let us help you choose the health insurance plan that fits your needs

Let us help you choose the health insurance plan that fits your needs Let us help you choose the health insurance plan that fits your needs Call 866-445-1396, visit bcbsnm.com or contact an independent Blue Cross and Blue Shield of New Mexico broker to get a quote today.

More information

Important Questions Answers Why this Matters: What is the overall deductible?

Important Questions Answers Why this Matters: What is the overall deductible? This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://knowyourbenefits.dfa.ms.gov or by calling 1-866-586-2781.

More information

956 CMR: COMMONWEALTH HEALTH INSURANCE CONNECTOR AUTHORITY

956 CMR: COMMONWEALTH HEALTH INSURANCE CONNECTOR AUTHORITY 956 CMR: COMMONWEALTH HEALTH INSURANCE CONNECTOR AUTHORITY 956 CMR 5.00 MINIMUM CREDITABLE COVERAGE Section 5.01: General Provisions 5.02: Definitions 5.03: Minimum Creditable Coverage 5.04: Administrative

More information

Health Insurance Basics. Ashley Frevert, Field Navigator Northeast Nebraska Community Action Partnership, Inc. Pender, Nebraska

Health Insurance Basics. Ashley Frevert, Field Navigator Northeast Nebraska Community Action Partnership, Inc. Pender, Nebraska Health Insurance Basics Ashley Frevert, Field Navigator Northeast Nebraska Community Action Partnership, Inc. Pender, Nebraska What Is Health Insurance? Health Coverage your legal entitlement to payment

More information

Even though you pay these expenses, they don t count toward the out-ofpocket limit.

Even though you pay these expenses, they don t count toward the out-ofpocket limit. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Connecticut General Life Insurance Co.: Health Savings Plan 3000-Family Coverage Period: Beginning on or after 9/23/2012

Connecticut General Life Insurance Co.: Health Savings Plan 3000-Family Coverage Period: Beginning on or after 9/23/2012 Connecticut General Life Insurance Co.: Health Savings Plan 3000-Family Coverage Period: Beginning on or after 9/23/2012 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage

More information

medical insurance for individuals and groups involved in educational or cultural exchange Global Peace of Mind

medical insurance for individuals and groups involved in educational or cultural exchange Global Peace of Mind EDUCATIONAL GLOBAL INSURANCEPEP PATRIOT EXCHANGE PROGRAM TM medical insurance for individuals and groups involved in educational or cultural exchange Version Version 0115 0115 Why Consider International

More information

M E D IC A RE SUP P LEMENT INS URANCE. P L A N S A, B, F, High Deductible F, G, N HELPING PROVIDE FINANCIAL SECURITY

M E D IC A RE SUP P LEMENT INS URANCE. P L A N S A, B, F, High Deductible F, G, N HELPING PROVIDE FINANCIAL SECURITY M E D IC A RE SUP P LEMENT INS URANCE P L A N S A, B, F, High Deductible F, G, N HELPING PROVIDE FINANCIAL SECURITY An Aetna Company Rhode Island CLIMS01135RI CLI Underwritten by Continental Life Insurance

More information

Important Questions Answers Why this Matters: In-network: $2,000 Single / $4,000 Family Out-of-network: $3,000 Single / $6,000 Family

Important Questions Answers Why this Matters: In-network: $2,000 Single / $4,000 Family Out-of-network: $3,000 Single / $6,000 Family This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.independenthealth.com or by calling 1-800-501-3439. Important

More information

National Guardian Life Insurance Company: New England College Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016

National Guardian Life Insurance Company: New England College Student Health Insurance Plan Coverage Period: 09/01/2015-08/31/2016 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.studentplanscenter.com or by calling 1-800-756-3702.

More information

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.bannerbenefits.com by clicking on the Resources tab and then Plan

More information

What This Plan Covers and What it Costs Instruction Guide for Individual Health Insurance Coverage

What This Plan Covers and What it Costs Instruction Guide for Individual Health Insurance Coverage What This Plan Covers and What it Costs Instruction Guide for Individual Health Insurance Coverage Edition Date: February 2012 Purpose of the form: PHS Act section 2715 generally requires all health insurance

More information

BlueCare 61. In-Network: $1,250 Per Person/$2,500 Family. Out-Of-Network: Not Applicable Does not apply to In-Network preventive care.

BlueCare 61. In-Network: $1,250 Per Person/$2,500 Family. Out-Of-Network: Not Applicable Does not apply to In-Network preventive care. BlueCare 61 Coverage Period: 09/01/2014-08/31/2015 with Rx $10/$30/$50 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and/or Family Plan Type: HMO This

More information

Massachusetts. The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts

Massachusetts. The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Massachusetts The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 07/01/2015 06/30/2016 Coverage for: Individual

More information

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs

Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs Connecticut General Life Insurance Co.: Open Access Value 7500A/70% Plan Coverage Period: Beginning on or after 9/23/2012 Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs!

More information

International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance

International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance International Student and Scholar, Visitor Travel Assistance Services Including: Medical Evacuation and Repatriation Coverage 24 Hour Assistance Offered by: Trawick International, Inc. 1956-J University

More information

It Pays to Think Ahead. 2014 Benefit Summary

It Pays to Think Ahead. 2014 Benefit Summary It Pays to Think Ahead. 2014 Benefit Summary Benefits Overview Aurora Public Schools is proud to offer a comprehensive benefits package to eligible employees. The complete benefit package is briefly summarized

More information

Human Energy. Yours. TM

Human Energy. Yours. TM Human Energy. Yours. TM Chevron Global Choice Plan (U.S.-Payroll Expatriates) (008) Summary of Benefits and Coverage What This Plan Covers and What it Costs Coverage Period January 1, 2015 December 31,

More information

Coverage Period: 8/1/2013-7/31/2014 Coverage for: Insured Student+Dependent Plan Type: PPO. Important Questions Answers Why this Matters:

Coverage Period: 8/1/2013-7/31/2014 Coverage for: Insured Student+Dependent Plan Type: PPO. Important Questions Answers Why this Matters: This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.gallagherkoster.com/colgate or by calling 1 877-371-9621.

More information

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15

Medicare. What you need to know. Choose the plan that s right for you GNHH2ZTHH_15 Medicare What you need to know Choose the plan that s right for you GNHH2ZTHH_15 Choosing a Medicare plan is a lot like buying a car. There are lots of options to consider. And what s right for you may

More information