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Expatriate Plan Highlights

Enrollment Resources
The Expatriate Health Benefits Resources page is your central online resource for finding information about the Expatriate Medical Plan and Dental Plans as well as enrollment resources, wellness tools and links to important web centers:
Medical Coverage
You have access to any licensed hospital or physician around the world.
  • Coverage for any pre-existing condition begins as soon as you enroll.
  • Preventive care is available at 100% with no deductible or coinsurance. Preventive care includes routine physical exams and recommended screenings.
  • Other medical costs are subject to a deductible — a set amount that you pay out-of-pocket before the Plan shares in the costs for care.
  • After you satisfy the deductible, the Plan and you both pay a percentage of the cost, known as "coinsurance."
  • The Plan's coinsurance maximum — your financial "safety net" — limits the amount you are required to pay in coinsurance each year. There is a higher coinsurance maximum for out-of-network charges incurred in the U.S.
  • Prescription drug benefits are part of your coverage. Prescription drug purchases are subject to coinsurance, but are not subject to the annual deductible.
Dental Coverage
You have access to any licensed dentist around the world.
  • Preventive dental care is covered at 100%.
  • For restorative care, after you satisfy a deductible, you pay your share of dental costs through coinsurance until you reach the annual and/or lifetime maximum benefits.
  • The maximum benefit is $2,000 per person per year for preventive and restorative care.
  • The lifetime maximum benefit for orthodontia is $2,500 per child (under age 19).
Coverage Levels
You can choose to cover:
  • Yourself only;
  • Yourself and your spouse/domestic partner; or Yourself and your child(ren); or
  • Your family (yourself, your spouse/domestic partner, and your children).
Cost of Coverage
Contribution rates vary by the types of dependent whom you choose to cover — e.g., a spouse/domestic partner vs. a child. You will be charged for up to a maximum of four children, regardless of how many additional children you choose to cover (you can cover all of your children, as long as they met eligibility requirements).
Claims Administrator
Coverage is administered by Cigna Global Health Benefits, an established company that offers broad global provider networks. They also offer tools and resources to help you research and understand your health treatment alternatives.