Expatriate Medical Plan
In addition to providing coverage in the event of illness, the Expatriate Medical Plan offers full coverage for eligible preventive care (without a deductible) and for inpatient hospital expenses (after a per-admission copayment) received in-network in the U.S. or outside the U.S.
The Expatriate Medical Plan also provides resources to help you understand the care and services available to you and to be informed about opportunities to save money while using quality in-network providers.
Key features include:
- Preventive care received outside the U.S. or in-network in the U.S. is covered at 100% with no deductible, copayment or coinsurance. Preventive care includes annual physical exams and recommended screenings.
- Other medical costs are subject to an annual deductible. After you satisfy the deductible, the Plan and you pay a coinsurance — a percentage of the costs. You pay a lower coinsurance amount for services received outside the U.S. or in-network in the U.S.
- You can use out-of-network providers in the U.S. without a referral, but you will pay a higher deductible and a higher coinsurance amount. You'll also be responsible for amounts above "reasonable and customary" costs, which are based on average claims data in your area and have been determined by Cigna Global Health Benefits, the plan administrator, to be appropriate fees for medical services.
- The Plan's out-of-pocket coinsurance maximum — your financial "safety net" — limits the amount you are required to pay in coinsurance each year. There are separate coinsurance maximums for in-network and 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. You can lower your out-of-pocket expenses by opting for generic drugs when they are available.