Benefits strength in numbers Aetna International Expat Trust*

Size: px
Start display at page:

Download "Benefits strength in numbers Aetna International Expat Trust*"

Transcription

1 Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Benefits strength in numbers Aetna International Expat Trust* * Companies must have more than 50 total employees worldwide and have a minimum of 2 employees that will be covered by Aetna International in order to qualify for the Aetna International Expatriate Trust plan. This plan is designated for employees traveling outside of their home country but is not available to employees who reside in the United States. Access to the Aetna U.S. network is available only to those subscribers who may travel on occasion to the United States. Our plan excludes coverage for U.S., Canadian, Chinese and UK Key local National or Local Nationals also U.S. bound expatriates, and US expatriates going to Canada, Mexico, Puerto Rico, Bahamas, Guam and other island territories F (9/13)

2 When it comes to helping employees succeed on their international assignments Aetna International delivers. We consistently provide exceptional personal service to help them de-mystify the health care system. Now, your employees can concentrate on what s really important during their assignment their families, their health and their work. The Aetna International Expatriate Trust provides a comprehensive, international benefits plan and concierge services at a competitive price. As part of this program, you enjoy the benefit of being part of a larger group of companies with international health care needs, giving you more power over purchasing and rate stabilization. You can also enjoy streamlined quoting, implementation and administration ultimately lowering your overall cost. About the medical plans Aetna International offers you the flexibility to choose the medical plan that best fits the needs of your members. Six medical plan design options are available. These medical plan design options offer either our Open Choice Preferred Provider Organization (PPO) or Open Access Managed Choice network for care received inside the U.S. Regardless of the medical plan chosen, your members have the freedom to visit a doctor or medical facility of their choice without a referral, anywhere in the world. Coverage levels and payment responsibilities may differ depending on the country in which members access care. Comprehensive global coverage Extensive plans of benefits All plans include medical, pharmacy, vision, emergency assistance services, an International Employee Assistance Program (IEAP) and health care counseling through the Informed Health Line. Optional benefits include dental, basic life and Accidental Death & Personal Loss (AD&PL). Convenient access to international health care through: > International direct-settlement community Aetna International is committed to building strong and secure partnerships with health care professionals around the world in order to promote access to quality care for our members. Members have access to over 100,000 health care professionals in more than 135 countries across the world through our direct-settlement arrangements and strategic partnerships. > International doctor directory Using our secure online directory, members can search among thousands of Western-trained, English-speaking doctors in over 150 countries to locate a doctor based on specialty, medical training, languages spoken and more. 2

3 Concierge-level service 24-hour, dedicated, multilingual International Member Service Center and Claim Unit International Health Advisory Team (IHAT) This industry-leading innovation provides Aetna International members with a single point of contact for all of their personal medical benefits needs, including assignment preparation, locating reputable medical care, clinical case management or emergency assistance. Claim reimbursement options With Aetna International, claim reimbursement is easier than ever. Employees can enjoy simplicity and convenience with our options, including: > Reimbursements in over a hundred different currencies > Three ways to get reimbursed by check, Electronic Funds Transfer (EFT) or wire transfer > No fees for wire transfer reimbursements Direct mail service to members Aetna International will mail claim payments, Explanation of Benefits and ID cards directly to members. 24-hour health care counseling service Informed Health Line 24-hour International Employee Assistance Program Unparalleled online member resources Aetna International secure member website at Members can access information to help them manage their daily health care needs, including: > International physician/hospital search utility > Country- and city-specific health and security information > Translations of medical terms, phrases and over-the-counter and prescription drugs > Answers to frequently asked questions > Electronic forms and claim filing instructions > Virtual Employee Meeting > Customized Care a personalized online portfolio that enables members to create, update and maintain critical health information specific to their international assignment. Customized Care also includes automatically generated s (e.g., security alerts) based on the information employees have set up in their online profile. Aetna Navigator website Members can take a shortcut from to find this secure benefits management website. Once there, here s what they can do: > Check on their claims > View covered benefits > Replace ID cards > Maintain electronic health history report > And more! And when in the United States, members can locate participating pharmacies, compare the cost and quality of area hospitals even research the average price for hospital stays, medical procedures and prescriptions. And no matter what time of day or night, they can always fi nd a network doctor through the DocFind directory. Aetna International Provider Directory App Members can use their smartphone or other web-enabled device, to access our Aetna International Provider Directory App to find direct-settlement providers and health care facilities in different parts of the world. The features of these mobile apps include: A listing of health care providers that offer direct-settlement Address and contact information for each provider Access to view the providers on a map and calculate distance to each facility Helpful information on what to do before, on the day of and after an appointment Links to relevant information and forms Integration with the user s calendar to record any appointments made with a provider 3

4 Medical Plans PPO 1 PPO 2 Outside U.S. Inside the U.S. Inside the U.S. Outside U.S. In-Network Out-of-Network In-Network Out-of-Network Annual deductible & coinsurance limits paid by member Annual deductible & coinsurance limits paid by member Individual Deductible $0 $0 $0 $100 $100 $300 Family Deductible $0 $0 $0 $300 $300 $900 Individual Payment Limit $500 $500 $1,000 $500 $500 $1,500 Family Payment Limit $1,500 $1,500 $3,000 $1,500 $1,500 $4,500 Inpatient Per Confinement $0 $0 $250 $0 $0 $250 Deductible Coinsurance percentage paid by plan after deductible Coinsurance percentage paid by plan after deductible Physician Office Visits 100% 100% 70% 90% 100% after 70% Wellness 100% 100% 70% 90% 100% 70% Hospital/Other Physician/ 100% 100% 70% 90% 90% 70% Inpatient/ Mental Health/ Alcohol & Drug Abuse Outpatient Mental Health/ Alcohol & Drug 100% 100% 80% 90% 100% after 80% Prescription Drug Within U.S. Aetna Pharmacy Management applies, generic/brand Outside U.S. or within U.S. but not using network pharmacy subject to deductible Vision Non-surgical office visits Supplies Lifetime Maximum 100% 100% after $10/$20 copay 80% 80% 100% after $10/$20 copay 100% 100% 100% 100% 100% 100% 100% up to $100 maximum not subject to deductible or copay (applies every 24 months) Unlimited 80% 4

5 PPO 3 PPO 4 Annual deductible & coinsurance limits paid by member Annual deductible & coinsurance limits paid by member Individual Deductible $200 $200 $400 $500 $500 $1,000 Family Deductible $600 $600 $1,200 $1,500 $1,500 $3,000 Individual Payment Limit $1,000 $1,000 $2,000 $1,500 $1,500 $3,000 Family Payment Limit $3,000 $3,000 $6,000 $4,500 $4,500 $9,000 Inpatient Per Confinement $0 $0 $250 $0 $0 $250 Deductible Coinsurance percentage paid by plan after deductible Coinsurance percentage paid by plan after deductible Physician Office Visits 80% 100% after 70% 80% 100% after 70% $20 copay Wellness 80% 100% 70% 80% 100% 70% Hospital/Other Physician/ Inpatient/ Mental Health/ Alcohol & Drug Abuse 80% 90% 70% 80% 90% 70% Outpatient Mental Health/ Alcohol & Drug Prescription Drug Within U.S. Aetna Pharmacy Management applies, generic/brand Outside U.S. or within U.S. but not using network pharmacy subject to deductible Vision Non-surgical office visits Supplies Lifetime Maximum 80% 100% after 80% 100% after $10/$20 copay 80% 80% 100% after $20 copay 80% 80% 100% after $10/$20 copay 100% 100% 100% 100% 100% 100% 100% up to $100 maximum not subject to deductible or copay (applies every 24 months) Unlimited 80% 80% 5

6 OAMC 1 OAMC 2 Outside U.S. Inside the U.S. Inside the U.S. Outside U.S. In-Network Out-of-Network In-Network Out-of-Network Annual deductible & coinsurance limits paid by member Annual deductible & coinsurance limits paid by member Individual Deductible $750 $750 $1,500 $1,000 $1,000 $2,000 Family Deductible $2,250 $2,250 $4,500 $3,000 $3,000 $6,000 Individual Payment Limit $2,000 $2,000 $4,000 $2,500 $2,500 $5,000 Family Payment Limit $6,000 $6,000 $12,000 $7,500 $7,500 $15,000 Inpatient Per Confinement $0 $0 $250 $0 $0 $250 Deductible Coinsurance percentage paid by plan after deductible Coinsurance percentage paid by plan after deductible Physician Office Visits 80% 100% after 60% 80% 100% after 60% $15 copay Wellness 80% 100% 60% 80% 100% 60% Hospital/Other Physician/ Inpatient/ Mental Health/ Alcohol & Drug Abuse 80% 80% 60% 80% 80% 60% Outpatient Mental Health/ Alcohol & Drug Prescription Drug Within U.S. Aetna Pharmacy Management applies, generic/brand Outside U.S. or within U.S. but not using network pharmacy subject to deductible Vision Non-surgical office visits Supplies Lifetime Maximum 80% 100% after 80% 100% after $10/$25/$50 copay 60% 80% 100% after $15 copay 60% 80% 100% after $10/$30/$60 copay 80% 100% 70% 80% 100% 70% 100% up to $100 maximum not subject to deductible or copay (applies every 24 months) Unlimited 60% 60% 6

7 Dental Plan 1 Plan 2 Individual Deductible $50 $50 Family Deductible $150 $150 Diagnostic & Preventative 100%, no deductible 100%, no deductible Basic Restorative 80%, after deductible 80%, after deductible Major Restorative 50%, after deductible 50%, after deductible Orthodontia N/A 50%, no deductible, $1,500 Lifetime Maximum Calendar Year Maximum $1,500 $1,500 Life/AD&D None $10,000 $25,000 $50,000 1x Salary Note that coverage may not exceed $300,000; EOI is required for amounts greater than $75,000; a medical exam is required for amounts greater than $150,000. Long Term Disability is not part of the Aetna International Expatriate Trust product; however, it is available as a separate product for those groups with 5 or more employees. About Aetna International Aetna International, the international business segment of Aetna, is a provider of comprehensive health benefits solutions for multinational employers and government agencies. Aetna International s offerings include medical, dental, vision, life, disability, emergency assistance and health management programs for employees and high net worth individuals who live, work or travel internationally. Aetna International is the industry s largest and most prominent U.S.-based international benefits carrier, supporting more than 500,000 members worldwide throughout the U.S., Europe, Asia and the Middle East. To learn more, contact your Aetna International representative, broker or consultant or visit us on the Web at 7

8 The Aetna International Expatriate Trust gives employers options and convenience. And with the built-in directsettlement feature, employees can enjoy the convenience of simplified admission and direct payment of large-scale medical costs. Stay connected to Aetna International Visit Follow Like Health insurance plans and programs are offered, underwritten or administered by Aetna Life Insurance Company (Aetna). Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features are subject to change. Information subject to change. For more information about Aetna International plans, refer to Aetna Inc F (9/13)

CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A

CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A CIGNA Global Health Benefits (CGHB) Making A World of Difference to the Expatriates and Families of Carnegie Mellon University Policy #02424A Benefits Provided to Your Employees and Their Families Medical

More information

Blue Solutions Plus Specialty Services. Add specialty products to complement your health benefits

Blue Solutions Plus Specialty Services. Add specialty products to complement your health benefits Blue Solutions Plus Specialty Services Add specialty products to complement your health benefits Add specialty products to your benefits for healthier outcomes and productive employees You want to offer

More information

Welcome to CIGNA Global Health Benefits

Welcome to CIGNA Global Health Benefits Welcome to CIGNA Global Health Benefits We re Making A World of Difference for US Expatriates, Third Country Nationals & Their Families Research Triangle Institute How we support you 24/7/365 Access Customer

More information

Delivering on the promise of quality health care Mobile Healthcare Plan

Delivering on the promise of quality health care Mobile Healthcare Plan Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Delivering on the promise of quality health care Mobile Healthcare Plan www.aetnainternational.com 46.03.615.1

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

Blue Solutions Specialty Services

Blue Solutions Specialty Services Blue Solutions Specialty Services For small employers Offer your employees the most comprehensive benefits package Adult Dental Plans Accident & Critical Illness Insurance Global Travel Insurance ibx.com/bluesolutions

More information

2013 IBM Health Benefit Comparison Charts

2013 IBM Health Benefit Comparison Charts 203 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical services, mental health/substance

More information

Benefits At A Glance Plan C

Benefits At A Glance Plan C Benefits At A Glance Plan C HIGHLIGHTS OF WELFARE FUND BENEFITS WELFARE FUND BENEFITS IN BRIEF Medical and Hospital Benefits Empire BlueCross BlueShield Plan C-1 Empire BlueCross BlueShield Plan C-2 All

More information

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE

Kaukauna Area School District Employee Benefits Booklet 2015. Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Kaukauna Area School District Employee Benefits Booklet 2015 Kaukauna Area School District. 2015 EMPLOYEE BENEFITS GUIDE Quick Reference Guide Benefit Vendor Phone & Website Health Network Health Plan

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

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

Bringing health and wellness together

Bringing health and wellness together Bringing health and wellness together Aetna Global Benefits AGB medical coverage and wellness programs Whole Body Health snapshot Choice of three medical plans Indemnity, PPO or HRA Freedom to visit any

More information

Health Plan Comparison

Health Plan Comparison A healthier bottom line. For Agent Use Only Starmark Healthy Incentives Health Plan Comparison Self-Funded Health Plans Specifically for Businesses With Five or More Employees PPO Indemnity CDHP PPO CDHP

More information

State of Maine 2015 Aetna Medicare Advantage Plan updates

State of Maine 2015 Aetna Medicare Advantage Plan updates Quality health plans & benefits Healthier living Financial well-being Intelligent solutions State of Maine 2015 Aetna Medicare Advantage Plan updates Agenda Welcome Medicare Advantage Overview Aetna Medicare

More information

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans.

The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. 2016 HEALTH PLAN COMPARISON CHART The 2016 Health Care Plan Comparison Chart provides you with high-level coverage details on medical, dental and vision plans. Andre Jacobs Field Services North America,

More information

Health Insurance Matrix 01/01/16-12/31/16

Health Insurance Matrix 01/01/16-12/31/16 Employee Contributions Family Monthly : $121.20 Bi-Weekly : $60.60 Monthly : $290.53 Bi-Weekly : $145.26 Monthly : $431.53 Bi-Weekly : $215.76 Monthly : $743.77 Bi-Weekly : $371.88 Employee Contributions

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

2015 IBM Health Benefit Comparison Charts for IBM Active Employees

2015 IBM Health Benefit Comparison Charts for IBM Active Employees 2015 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical, mental health/substance care

More information

Aetna Global Benefits (AGB)

Aetna Global Benefits (AGB) experience Our Results Aetna Global Benefits (AGB) Agenda Introductions Summary of Benefits Claims and Member Services International Providers International Assistance Program Online Services We want you

More information

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY E-Class 51,96,9C, Part-Time July, 2010 1199C & PTEA BENEFIT SUMMARY INDEX Health Insurance Options... 2 Personal Choice Plan... 3 Keystone

More information

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans

DECISION GUIDE. 2015 Regence Medicare Advantage PPO Plans DECISION GUIDE 2015 Regence Medicare Advantage PPO Plans Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association

More information

HTH Business Traveler

HTH Business Traveler HTH Business Traveler Medical Benefits and Services for International Business Travel HTH Worldwide What is HTH Business Traveler? The Best Way to Stay Healthy and Productive At least one-third of all

More information

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVE and RETIRED PARTICIPANTS

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVE and RETIRED PARTICIPANTS Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket Calendar Year (Applicable to members who reside in California & Nevada Only.)

More information

Northeastern University 2015 Medical Benefits

Northeastern University 2015 Medical Benefits Northeastern University 2015 Medical Benefits Northeastern s 2015 Open Enrollment Effective Date: January 1, 2015 2015 Medical Plan Options Blue Choice New England Core POS Plan New Plan Blue Choice New

More information

State Retiree Medicare Advantage Plans

State Retiree Medicare Advantage Plans State Retiree Medicare Advantage Plans October/November 2015 Copyright 2013 by The Segal Group, Inc. All rights reserved. Your 2016 Retiree Benefits www.cms.illinois.gov/thetrail 2 Eligibility Who is Required

More information

Insure your health; protect your education

Insure your health; protect your education Health Insurance for Stanford Students Information and Requirements Insure your health; protect your education Cardinal Care Stanford University s Student Health Insurance 2011 2012 Academic Year Stanford

More information

Understanding your Aetna UN PPO Plan and Medicare Part B medical benefits

Understanding your Aetna UN PPO Plan and Medicare Part B medical benefits Understanding your Aetna UN PPO Plan and Medicare Part B medical benefits Get more and pay less when you know how to use your medical plans Puzzled by your Aetna and Medicare Part B health care coverage?

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

Health Plans Comparison Chart

Health Plans Comparison Chart Health Plans Comparison Chart PPO Deductible Coinsurance (Plan pays) Annual Out-of-Pocket Maximum (Medical) (all medical s, deductibles and coinsurance for covered services will apply. Once limit is met,

More information

BRYN MAWR COLLEGE MEDICAL INSURANCE BENEFITS COMPARISON EFFECTIVE NOVEMBER 1, 2009

BRYN MAWR COLLEGE MEDICAL INSURANCE BENEFITS COMPARISON EFFECTIVE NOVEMBER 1, 2009 BENEFITS Description of Plan Annual Deductible (January - December) - Individual - Family PERSONAL CHOICE PPO BRYN MAWR COLLEGE KEYSTONE HEALTH PLAN EAST KEYSTONE POS Provides comprehensive health Provides

More information

NATIONAL HEALTH & WELFARE FUND PLAN C

NATIONAL HEALTH & WELFARE FUND PLAN C H E A LT H A N N U I T Y I O N V A C AT P E N S I O N NATIONAL HEALTH & WELFARE FUND PLAN C BENEFITS AT A GLANCE Introduction The IATSE National Health & Welfare Fund was set up to provide health care

More information

A Guide to Understanding Your Health Plan Choice

A Guide to Understanding Your Health Plan Choice A Guide to Understanding Your Health Plan Choice Northeastern University Student Health Plan Comprehensive Coverage, Exceptional Providers To develop a quality health care program, our goals were clear:

More information

Imperial Valley College

Imperial Valley College Imperial Valley College This presentation is offered as a brief overview of your current benefit programs. It is not intended to interpret or modify contract language. Please refer to your respective benefit

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 Summary Plan Description (SPD) or Plan Document at www.pebtf.org or by calling 1-800-522-7279.

More information

Global cover with a local touch International Healthcare Plan for individuals

Global cover with a local touch International Healthcare Plan for individuals Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Global cover with a local touch International Healthcare Plan for individuals www.aetnainternational.com www.warbaonline.com

More information

Aetna Savings Plus plan guide

Aetna Savings Plus plan guide Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Savings Plus plan guide New health plans designed with Tennessee businesses in mind For businesses with

More information

UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA. In Network In Network In Network $3,000/$6,000 $2,000/$4,000 $2,000/$4,000

UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA. In Network In Network In Network $3,000/$6,000 $2,000/$4,000 $2,000/$4,000 Aetna 51-100 HealthNetworkOnly Member benefits Plan name UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA In Network In Network In Network Calendar year deductible (Individual/Family) Calendar

More information

FOREIGN SERVICE BENEFIT PLAN

FOREIGN SERVICE BENEFIT PLAN Summary of 2016 Benefits for the FOREIGN SERVICE BENEFIT PLAN Caring for Your Health Worldwide Summary of 2016 Benefits for the FOREIGN SERVICE BENEFIT PLAN High Option Benefits MEDICAL SERVICES SECTION

More information

2014 2014 2014 Benefits Plan Highlights 2014

2014 2014 2014 Benefits Plan Highlights 2014 2014 2014 2014 2014 Benefits Plan Highlights 2014 Table of Contents Core Benefits... 3 Life Insurance... 3 Accidental Death & Dismemberment (AD&D) Insurance... 3 Short- Term Disability Coverage... 3 Long

More information

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY

TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY TEMPLE UNIVERSITY 1199C & PTEA PART TIME EMPLOYEES BENEFITS SUMMARY E-Class 51, 96, 9C, Part-time July 2015 1199C & PTEA BENEFIT SUMMARY INDEX Health Insurance Options... 2 Personal Choice Plan... 3 Keystone

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

2016 Health, Dental and Vision Monthly Contributions

2016 Health, Dental and Vision Monthly Contributions 2016 Health, Dental and Vision Monthly Contributions Benefit Plan Monthly Contributions for Active Regular Full-Time and Part-Time Employees Employee Only Spouse Child(ren) Family Dental: Cigna PPO $ 12

More information

A Guide to Understanding Your Health Plan Choice

A Guide to Understanding Your Health Plan Choice A Guide to Understanding Your Health Plan Choice Northeastern University Student Health Plan Comprehensive Coverage, Exceptional Providers To develop a quality health care program, our goals were clear:

More information

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide

ARCHDIOCESE OF ST. LOUIS. Employee Benefit Plan 2015 2016. Employee Benefits Guide ARCHDIOCESE OF ST. LOUIS Employee Benefit Plan 2015 2016 Employee Benefits Guide Office of Human Resources Cardinal Rigali Center 20 Archbishop May Drive St. Louis, MO 63119-5004 314.792.7546 314.792.7548

More information

Group Insurance Plan of Benefits for New York University (Control # 620610) administered by Aetna International Effective Date: January 1, 2016

Group Insurance Plan of Benefits for New York University (Control # 620610) administered by Aetna International Effective Date: January 1, 2016 Eligibility Provision Employee Regular full-time employees of New York University participating in this plan working a minimum of 25 hours per week. Dependent Wife or husband; same or opposite sex domestic

More information

Small Business Solutions Medical Plan Options

Small Business Solutions Medical Plan Options Small Business Solutions Medical Plan Options Indiana Choice. Simplicity. Affordability. 14.02.927.1-IN (10/04) AETNA SMALL GROUP MEDICAL PLANS AETNA CHOICE PPO PLAN OPTIONS Plan Option 1 Plan Option 2

More information

Aetna Affordable Health Choices SM Plan Brochure

Aetna Affordable Health Choices SM Plan Brochure Aetna Affordable Health Choices SM Plan Brochure CoWorx Staffing Services, LLC Affordable Premiums Family Coverage Available Enroll Today! Call SRC toll-free at 1-888-772-9682 Monday-Friday, 8 a.m. to

More information

Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew

Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew Distributed by: Protect your investment in Captains and Crew Safe Harbor Crew Worldwide Group Medical Insurance for Yacht Crew Attract Qualified Professionals Reduce Crew Turnover Decrease Liability Exposure

More information

Benefit Coverage Chart & Rates

Benefit Coverage Chart & Rates Benefit Coverage Chart & Rates Effective July 1, 2014- June 30, 2015 PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits

More information

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS Thank you for your years of service to the City of Miramar. Your benefits are a very important part of your compensation package as a City of Miramar Retiree and I wanted to deliver a personal message

More information

Aetna HealthFund Health Reimbursement Arrangement Plan

Aetna HealthFund Health Reimbursement Arrangement Plan Aetna HealthFund Health Reimbursement Arrangement Plan Innovation in health benefits, giving you Greater control of your health care spending. A new way to save for future medical costs. Tools to help

More information

Guide to Purchasing Health Insurance

Guide to Purchasing Health Insurance Guide to Purchasing Health Insurance What are your health insurance choices? Which type is right for you? Sample questions Looking for insurance in specific situations Tips for shopping for health coverage

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

Fee-for-Service. Medicare Supplemental Retiree Health Plans

Fee-for-Service. Medicare Supplemental Retiree Health Plans Sheet Metal Workers Health Plan of Southern California, Arizona & Nevada April 2011 Summary Comparison Of Benefits Available under the Fee-for-Service and Medicare Supplemental Retiree Health Plans Important:

More information

Westinghouse Electric Company Benefits Summary

Westinghouse Electric Company Benefits Summary Electric Company Benefits Summary Health and Well Being Financial Protection Retirement Benefits Vacation and Holidays Other Company-Provided Benefits Revised April 2015 MEDICAL BENEFITS Carriers: HEALTH

More information

Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015

Benefit Coverage Chart & Rates Effective July 1, 2014 June 30, 2015 Benefit Coverage Chart & Rates Effective PPO Medical Coverage by Category The following coverages are included with the PPO plan: o Prescription o Vision Additional Benefits o Dental o Dental & Orthodontia

More information

Student health plans from HTH Worldwide. The leader in health plans and services for study abroad programs and international students in the U.S.

Student health plans from HTH Worldwide. The leader in health plans and services for study abroad programs and international students in the U.S. Student health plans from HTH Worldwide The leader in health plans and services for study abroad programs and international students in the U.S. Our mission is to serve the international education community

More information

New Jersey 2 50 Plan guide

New Jersey 2 50 Plan guide Quality health plans & benefits Healthier living Financial well-being Intelligent solutions New Jersey 2 50 Plan guide The health of business, well planned. Plans effective December 1, 2012 For businesses

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

Take charge of your health

Take charge of your health Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Take charge of your health Choose Aetna, choose affordable coverage The information you need to choose quality

More information

Open Enrollment 2015 November 12 November 26

Open Enrollment 2015 November 12 November 26 Open Enrollment 2015 November 12 November 26 November 4 & 6, 2014 1 Brief Review of Affordable Care Act (ACA) What You Need to Know What you Need to do by November 26 What s New or Changing in 2015 Do

More information

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights

National Automatic Sprinkler Industry Welfare Fund. Benefits Highlights National Automatic Sprinkler Industry Welfare Fund Benefits Highlights 2014 This Benefits Highlights booklet does not contain the full plan document and is not a Summary Plan Description for the NASI Welfare

More information

How Emeriti's Medical Plans Work With Medicare

How Emeriti's Medical Plans Work With Medicare POST65NATPCC 2015 Post-65 Medical and Rx Comparison Chart National Group Insurance Options Underwritten by Aetna Emeriti offers two types of medical plans aligning in different ways with Medicare Parts

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

CALIFORNIA. Kaiser Permanente Student Health Plan. Comparison charts

CALIFORNIA. Kaiser Permanente Student Health Plan. Comparison charts CALIFORNIA Kaiser Permanente Student Health Plan Comparison charts 1 Protect your students with award-winning integrated care Offer your students and their dependents a health plan with broad coverage

More information

Comparison of Health Care Plans Metro Interagency Insurance Program Effective Date: July 1, 2015

Comparison of Health Care Plans Metro Interagency Insurance Program Effective Date: July 1, 2015 Comparison of Health Care Plans Metro Interagency Insurance Program Effective Date: July 1, 2015 Wellmark Blue Cross Blue Shield Customer Service: 1-800-277-8380 Participating Provider Directory Information:

More information

UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS

UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS UC IRVINE 2015-2016 STUDENT HEALTH INSURANCE PLAN FREQUENTLY ASKED QUESTIONS I. WELLNESS What is the importance of having health insurance as a student? Medical costs can be overwhelming and are rising

More information

Insure your health; protect your education

Insure your health; protect your education Health Insurance for Stanford Students Information and Requirements Insure your health; protect your education Cardinal Care Stanford University s Student Health Insurance 2014 2015 Academic Year Stanford

More information

Through It All. Health Coverage for Individuals and Families. Plans that fit every need, lifestyle and budget. 800-531-4456 bcbstx.

Through It All. Health Coverage for Individuals and Families. Plans that fit every need, lifestyle and budget. 800-531-4456 bcbstx. Health Coverage for Individuals and Families Plans that fit every need, lifestyle and budget. Through It All. 800-531-4456 bcbstx.com SM Call 800-531-4456, visit bcbstx.com, or contact an independent Blue

More information

2016 Open Enrollment: November 2 20

2016 Open Enrollment: November 2 20 2016 Open Enrollment: November 2 20 Important Dates Monday, November 2: Open Enrollment Begins Friday, November 13: Benefits Fair, Administrative Campus Center Friday, November 20: Last Day of Open Enrollment

More information

New York Q 2016 Rate Sheet

New York Q 2016 Rate Sheet Quality health plans & benefits Healthier living Financial well-being Intelligent solutions New York 1 100 1Q 2016 Rate Sheet New York Rating Area 3 Plan options1 NY Platinum NYC Community Plan SM $20

More information

Individual Health Insurance

Individual Health Insurance Individual Health Insurance Plans with a Wide Range of Options to Fit Your Budget Apply Today! Call us toll-free at 1-866-445-1396 Visit us on the web at bcbsnm.com Contact your authorized independent

More information

KAISER PERMANENTE PLAN (Non-Medicare Eligible)

KAISER PERMANENTE PLAN (Non-Medicare Eligible) CEMENT MASONS HEALTH AND WELFARE TRUST FUND FOR NORTHERN CALIFORNIA RETIRED CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE JANUARY 1, 2015 GENERAL When You Can Change Plans Type of Plan, Service

More information

The Value of Medicare Advantage for CalPERS Medicare eligible retirees

The Value of Medicare Advantage for CalPERS Medicare eligible retirees Agenda Item 8, Attachment 1, Page 1 of 33 The Value of Medicare Advantage for CalPERS Medicare eligible retirees 1 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without

More information

Capital BlueCross offers a variety of health care choices. Pick the one that s right for you!

Capital BlueCross offers a variety of health care choices. Pick the one that s right for you! Traditional Our traditional product features comprehensive benefits and complete freedom to choose your physician, specialist or hospital. You minimize your out-of-pocket costs by receiving covered services

More information

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE

OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE Page 1 CHS LiveWELL Health Plan OVERVIEW OF 2015 TEAMMATE BENEFITS PACKAGE CHOICE 30 with HEALTH SAVINGS ACCOUNT Eligibility: 24 or more standard hours per week The Choice 30 health plan offers you control

More information

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan

Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary High Deductible Health Plan General Provisions Deductible (eligible medical and prescription drug expenses apply to the deductible) Kraft Foods Group, Inc. Retiree Medical and Prescription Plan Summary Care can be obtained in-network

More information

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family Plan Aetna Select EPO BCBS PPO 90/70 BCBS HDHP/HSA High Option EPO EPO 80 Choice Choice Plus 80/60 Annual Medical Deductible Annual Out-of-Pocket Maximum (includes deductible) Network Only Network Out-of-Network

More information

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF BENEFITS

MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF BENEFITS Fiscal Year 2015 2016 MAYFLOWER MUNICIPAL HEALTH GROUP ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ PPO REVIEW OF S ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

More information

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association

Regence Medicare Advantage PPO Plans. Regence BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association DECISION GUIDE 2015 Medicare Advantage PPO Plans BlueCross BlueShield of Oregon is an Independent Licensee of the Blue Cross and Blue Shield Association Y0062_07978 Approved OR PPO 2015 GET STARTED READ.

More information

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES PPO Kaiser Permanente For Non-PPO Providers Employee Premium None None None None None Explanation of s and Options Available to You If you choose a doctor who is not contracted with Anthem Blue Cross the

More information

GUIDE TO MEDICAL AND DENTAL PLANS

GUIDE TO MEDICAL AND DENTAL PLANS GUIDE TO MEDICAL AND DENTAL PLANS B e n e f i t s e f f e c t i v e J u l y 1, 2016 t h r o u g h J u n e 3 0, 2 0 1 7 Choosing your benefits is an important decision. This guide provides you with the

More information

SUMMARY OF MARYLAND STATE EMPLOYEES & RETIREES BEHAVIORAL HEALTH PLAN

SUMMARY OF MARYLAND STATE EMPLOYEES & RETIREES BEHAVIORAL HEALTH PLAN SUMMARY OF MARYLAND STATE EMPLOYEES & RETIREES BEHAVIORAL HEALTH PLAN January 1, 2014-December 31, 2014 Call APS Healthcare Toll-Free: 1-877-239-1458 Customer Service for Hearing Impaired TTY: 1-877-334-0489

More information

University of Maryland, College Park Graduate Assistant Benefits Orientation

University of Maryland, College Park Graduate Assistant Benefits Orientation University of Maryland, College Park Graduate Assistant Benefits Orientation Topics to Be Covered Eligibility Enrollment Procedures State Sponsored Benefits Please Feel Free to Ask Questions at Anytime

More information

Aetna Savings Plus plan guide

Aetna Savings Plus plan guide Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Savings Plus plan guide New health plans designed with Florida businesses in mind For businesses with 2-100

More information

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more

Safe Harbor Crew. International Yacht Crew Insurance for groups of three or more Safe Harbor Crew International Yacht Crew Insurance for groups of three or more Plan Overview Luxury yacht Owners and Captains are finding it effective to offer structured benefits in order to attract

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

Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia

Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia Aetna Global Benefits A Guide to Your Plan: Questions and Answers for the Cultural Mission of the Royal Embassy of Saudi Arabia This information is not evidence of coverage. You must enroll and be accepted

More information

Health Insurance Matrix 07/01/012-06/30/13

Health Insurance Matrix 07/01/012-06/30/13 Employee Contributions Family Monthly : $212.14 Bi-Weekly : $106.07 Monthly : $388.36 Bi-Weekly : $194.18 Monthly : $429.88 Bi-Weekly : $214.94 Monthly : $677.30 Bi-Weekly : $338.65 Employee Contributions

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

STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN

STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN STANDARD AND SELECT NETWORK PRODUCTS FROM TUFTS HEALTH PLAN 2015 PLAN OPTIONS Standard Network: The Standard Network plans provide members with a choice of more than 25,000 participating doctors and 90

More information

NYC Community Plan SM New York

NYC Community Plan SM New York NYC Community Plan SM New York For businesses with 2 50 eligible employees Available for residents who live or work and access health care in the five boroughs of New York City Plans effective November

More information

Graduate Assistant Benefits Orientation. UHR Benefits Office University of Maryland, College Park

Graduate Assistant Benefits Orientation. UHR Benefits Office University of Maryland, College Park Graduate Assistant Benefits Orientation UHR Benefits Office University of Maryland, College Park Topics to Be Covered Eligibility Enrollment Procedures State Sponsored Benefits Please Feel Free to Ask

More information

VOYAGEUR GLOBAL BENEFITSTM. Expatriate Benefits Protecting expat employees while they advance your business interests abroad

VOYAGEUR GLOBAL BENEFITSTM. Expatriate Benefits Protecting expat employees while they advance your business interests abroad VOYAGEUR GLOBAL BENEFITSTM Expatriate Benefits Protecting expat employees while they advance your business interests abroad Each year, Canadian organizations like yours reap the rewards of doing business

More information

STATE OF IOWA HEALTH INSURANCE PLAN COMPARISON EFFECTIVE JANUARY 1, 2016

STATE OF IOWA HEALTH INSURANCE PLAN COMPARISON EFFECTIVE JANUARY 1, 2016 This comparison is only a summary of benefits. Benefits will be administered as described in each plan s Summary of Benefits & Coverage. For further details, refer to those documents or call Wellmark Blue

More information

This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad

This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad University System of Georgia Guide for GA TECH Employees Residing Abroad This guide was designed for employees in the University System of Georgia Indemnity HealthCare plan who reside abroad. Frequently

More information

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

More information

It pays to be healthy. COVA HealthAware

It pays to be healthy. COVA HealthAware It pays to be healthy. COVA HealthAware Presented by the Commonwealth of Virginia www.covahealthaware.com 00.02.434.1 (4/13) COVA HealthAware is a new plan option from the Commonwealth of Virginia. This

More information

Aetna Medicare Advantage PPO ESA 15 SHBP Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Aetna Medicare Advantage PPO ESA 15 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

When you care more, you do more. SM. PersonalBlue PPO SM. Medically Underwritten Products. Affordable, comprehensive, individual health insurance

When you care more, you do more. SM. PersonalBlue PPO SM. Medically Underwritten Products. Affordable, comprehensive, individual health insurance PersonalBlue PPO SM Medically Underwritten Products Affordable, comprehensive, individual health insurance Rely on Capital BlueCross At different times in your life, your health coverage needs may vary

More information