How the Expatriate Medical Plan Pays Benefits
The annual deductible is waived in certain CignaLinks locations, reducing your overall costs. See `CignaLinks® Network Care Outside the United States" for more information.
The Expatriate Medical Plan pays the full cost for preventive care received outside the U.S. or in-network in the U.S., including physical exams and recommended wellness/cancer screenings. For most other medical costs, after you satisfy the annual deductible, you pay your share of medical costs through coinsurance until you reach the annual out-of-pocket maximum.
Health Advocate, Inc., a leading health advocacy and assistance company in the United States, provides a range of services, including help in resolving claims issues, scheduling appointments with specialists, facilitating the transfer of medical records, and explaining conditions and treatment options. These services are provided at no additional cost to you.
When you call Health Advocate, you will be assigned a personal health advocate who will work with you through the entire process, so you will have an advocate who is familiar with your case. This program is available on a limited basis when receiving care outside the United States. For more information, go to the Know Where to Solve Your Healthcare or Insurance Issues page, available via the Expatriate Health Benefits Resources page on the JPMC intranet or call Health Advocate at (866) 611-8298. Personal health advisors are available Monday – Friday, from 8 a.m. to 9 p.m. Eastern time.