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