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Expatriate Medical and Dental Plans

Effective January 1, 2019
The Expatriate Medical and Dental Plans are features of the U.S. Medical and Dental Plan. The expatriate plans are intended to offer global coverage to employees on expatriate assignment, because most local plans do not provide sufficient coverage while outside of your home country.
Your health is important to you and to JPMorgan Chase. That's why the company provides you and your family with access to high-quality, cost-effective health care coverage and to the resources you need to stay healthy while on an expatriate assignment.
The Expatriate Medical Plan is built on the principle of a shared commitment to health. JPMorgan Chase provides valuable benefits, funding, and a suite of features designed to help you get and pay for the treatment you need, manage your health care expenses, and most importantly, take care of yourself. In addition to providing coverage in the event of illness, the Expatriate Medical Plan offers full coverage for eligible preventive care and no pre-existing condition exclusions.
This summary plan description explains the details of the Expatriate Medical and Dental Plans, including how to use the Plans and how and when benefits are paid.
Be sure to see important additional information about the expatriate plans, in the sections titled About This Guide, What Happens If…;, and Plan Administration.
Questions?
If you still have questions after reviewing this Guide, there are a number of resources that can provide answers. As a first stop for expatriate plans, contact the claims administrator:
Cigna Global Health Benefits
www.CignaEnvoy.com
From the U.S.: (800) 390-7183
From outside the U.S., call collect: (302) 797-3644
Representatives are available 24 hours a day, 7 days a week.
For additional resources, consult the Contacts section.
The JPMorgan Chase U.S. Benefits Program is available to most employees on a U.S. payroll who are regularly scheduled to work 20 hours or more a week and who are employed by JPMorgan Chase & Co. or one of its subsidiaries to the extent that such subsidiary has adopted the JPMorgan Chase U.S. Benefits Program. This information does not include all of the details contained in the applicable insurance contracts, plan documents, and trust agreements. If there is any discrepancy between this information and the governing documents, the governing documents will control. JPMorgan Chase & Co. expressly reserves the right to amend, modify, reduce, change, or terminate its benefits and plans at any time. The JPMorgan Chase U.S. Benefits Program does not create a contract or guarantee of employment between JPMorgan Chase and any individual. JPMorgan Chase or you may terminate the employment relationship at any time.