If You Receive Care Outside the United States

Did You Know?

Expatriate Medical Plan participants and their families assigned to and/or from a CignaLinks® have access to quality, affordable healthcare providers through Cigna's partnership with local insurers and TPAs. Staying within the CignaLinks network allows members to have certain medical services covered at the plan coinsurance or, in some instances, in full.

When you receive care in select locations outside the United States, you can choose between receiving care in the CignaLinks® network or out-of-network. You will generally pay less when you use a CignaLinks® network provider.

You may use any licensed provider.

The Plan offers 100% coverage with no deductible for many preventive screenings.

The Plan generally pays 80% of the cost of most other covered services after you pay the annual deductible.

The Plan offers 75% coverage without a deductible for eligible prescription drug expenses.

Generally, you must pay for services at the time you receive care and file a claim to be reimbursed. Certain providers may accept assignment of benefits and choose to accept payment directly from Cigna Healthcare International. You would then be responsible for the difference not paid by the Plan. Visit the Cigna Envoy website at www.cignaenvoy.com to identify providers in your location who will bill Cigna Healthcare International directly.

If you expect to incur a large expense(s), you can ask Cigna Healthcare International to contact your healthcare provider in an effort to arrange for a guarantee of payment letter to be issued to the provider. (It remains the choice of the provider to accept this arrangement.)

Call the Cigna Healthcare International Customer Service Center or check the Provider Directory on the Cigna Envoy website at www.cignaenvoy.com to locate out-of-network providers in your location who will bill Cigna Healthcare International directly.

Purchase or Transport of Prescription Drugs

If you have questions or concerns about travel restrictions or the availability of prescription medications in your assignment location, please call Cigna Healthcare International at the telephone number on the back of your Cigna ID card.

Important Note: You cannot use the JPMorganChase New York City post office box address to receive your mail-order prescriptions, as JPMorganChase cannot legally forward medications to an overseas location.

If You Use a Pharmacy Outside of the United States

If you purchase your prescription drugs through a pharmacy located outside of the United States, you will have to pay for the prescription drug and submit a claim to Cigna Healthcare International to be reimbursed for the amount covered by the Expatriate Medical Plan (see "Filing a Claim for Benefits".)

If you have questions about the availability of prescription medications in your home or assignment location, please call Cigna Healthcare International at the telephone number on the back of your Cigna ID card.

CignaLinks® offers a network of quality doctors, hospitals, and clinics in select locations outside the United States. Because of local regulations and other considerations, when you use a CignaLinks® network provider, your benefits will differ somewhat from the provisions of the global Expatriate Medical Plan. For more information please contact the Cigna Healthcare International Customer Center.

CignaLinks® Network Care Outside the United States

CignaLinks® offers a network of quality doctors, hospitals, and clinics in select locations outside the United States and is available to assignees located in or originating from those locations.

Because of local regulations and other considerations, when you use a CignaLinks® network provider, your benefits will differ somewhat from the provisions of the global Expatriate Medical Plan. The following chart highlights some of those differences by location.


Country1	CignaLinks® Partner	Discounted Fees	In-Network Coinsurance2	Comment
Australia	GU Health	Not applicable	100% for most persons not eligible for Medicare	Those eligible for Australian Medicare have coverage coordinated with Medicare. Customers should submit their claims to Medicare first for consideration, and then to GU Health. Hospital services and ancillary services, including chiropractors, podiatrists, osteopaths, and physiotherapists covered at 100%. Dental services are covered for "Regulated Members" (Medicare Eligible) through GU.
Bahrain	Cigna Insurance Middle East	Yes	100%	Precertification may be required for some services.
Brazil	Gama Saúde	Yes	100%	Precertification may be required for some services.
Canada	Cowan	Yes	100% major medical; 80% pharmacy/ paramedical services	Precertification may be required for some services.
Hong Kong	QHMS	Yes	80%	Global plan limits waived on all services (80% for physician services and 100% for I/P and O/P Hospital Fees)
Indonesia	Parkway Health	Not applicable	100%
Kuwait	Cigna Insurance Middle East	Yes	100%
Malaysia	Parkway Health	Not applicable	100%
Nigeria	MSO	Yes	80%/100%	80% for physician services and 100% for I/P and O/P Hospital Fees
Oman	Cigna Insurance Middle East	Yes	100%	Precertification may be required for some services.
Qatar	Cigna Insurance Middle East	Yes	100%	Precertification may be required for some services.
Saudi Arabia	Cigna KSA	Yes	100%	Local limitations and/or exclusions apply; some dental and vision expenses also covered (call Cigna Global or for more information).
Singapore	Parkway Health	Yes	100%
South Africa	MSO	Yes	80%/100%	80% for physician services and 100% for I/P and O/P Hospital Fees
Spain	Cigna Spain	Yes	100%
United Arab Emirates	Cigna Insurance Middle East	Yes	100%	Local limitations and/or exclusions apply in select locations (e.g., Abu Dhabi and Dubai); some dental and vision expenses also covered (call Cigna Global for more information).
United Kingdom	Cigna UK	Yes	80%	Discounts apply only for services at in-network clinics and hospitals. Dental services are covered as well.

1 Deductibles are waived in all locations. In most circumstances there are no claim forms required; however, for GU, COWAN, CIME and QHMS member paid claims require a claim form. The claim form will correspond to each partnership (i.e., CIME claim form for member paid claims incurred in Abu Dhabi).

2 Fertility services are covered in accordance with the provisions of the global JPMorgan Chase Expatriate Medical Plan.

If you are eligible to participate in CignaLinks, you will receive communication from Cigna. To take advantage of these enhanced benefits, generally you need only to present your Cigna Healthcare International ID card (which includes contact information for your local CignaLinks® network partner) at the time you receive medical services. In most instances, providers in the network will file their claims directly with Cigna — limiting your out-of-pocket costs when services are rendered.

Multiple ID Cards in Some Locations

Employees assigned to and/or from select locations will have multiple ID cards — a Cigna Healthcare International ID card* and:

Africa — a Medical Services Organization (MSO-Africa) ID card for use when receiving medical care in Nigeria and South Africa

Australia — a Grand United ID card for use when receiving medical care in Australia

Brazil — a Gama Saúde ID card for use when receiving medical care from a Gama Saúde network provider in Brazil

Canada — a Cowan Pay-Direct ID card for use when receiving medical care from a Cowan network provider in Canada

Middle East — a co-branded Cigna Insurance Middle East/Neuron ID card for use when receiving medical care in Kuwait, Oman, Qatar, Saudi Arabia, United Arab Emirates, and Bahrain

Spain — a Cigna HealthCare Spain ID card for use when receiving care in Spain

* When accessing care from non-network providers, you should continue to use your global Cigna ID card.

Forms Required for ID Cards in Some Locations

Before the CignaLinks® partner will issue an ID card, employees assigned to and from these locations must complete a form:

Australia — Grand United Customer Information Form, which must be completed and returned to Cigna Healthcare International (Australian or Reciprocal Citizens only)

Canada — Cowan Insurance Group Consent Form, which must be completed and returned to Cowan Insurance Group

Abu Dhabi — Member Data Collection Form, which must be completed and returned to Cigna Insurance Middle East

Dubai — Member Data Collection Form, which must be completed and returned to Cigna Insurance Middle East

Kingdom of Saudi Arabia — Member Data Collection Form, which must be completed and returned to Cigna Insurance Middle East

Forms are available on the CignaLinks® page via the Expatriate Health Benefits Resources page on the JPMC intranet.