Coinsurance Paid by the Expatriate Medical Plan
The following tables show the coinsurance percentage paid by the Expatriate Medical Plan for covered expenses.
Out-of-network expenses incurred in the U.S. or outside the U.S. are subject to reasonable and customary (R&C) limits; you are responsible for 100% of all charges above those R&C amounts. Amounts that you pay above R&C limits do not count toward your deductible or out-of-pocket maximum. Because in-network charges for covered services have been negotiated with the providers, those charges would always be within the R&C limits.
Please Note: A medical service will only be covered at 100% if it is coded as preventive. Before receiving any service, you should check with your physician to be sure the procedure is considered, and will be submitted to the claims administrator, as preventive medical care rather than as a diagnostic service. Cigna determines the eligible preventive care services covered at 100%. See "Preventive Care Services" page XX for more information about eligible preventive care services.
* Combined in-/out-of-network and outside U.S. All out-of-network expenses are subject to reasonable and customary (R&C) charges. You are responsible for paying any charges above the R&C amount. Since in-network charges for covered services have been negotiated with the providers, those charges would always be within the R&C limits.
