Aetna is the International insurance provider.
Medical, dental, vision, emergency assistance, evacuation, and repatriation of remains are all covered in one bundled plan, so all coverage is included when under the AETNA plan.
For information on when international workers become eligible for coverage, see Eligibility and Enrollment for International Aetna Insurance.
Monthly Premium Rates
Coverage Level | 2025 Aetna Premium Amounts | 2024 Aetna Premium Amounts
|
Employee Only | $432.27 | $411.92 |
Employee + Spouse | $1,182.93 | $1,125.70 |
Employee + Children | $980.61 | $933.86 |
Employee + Family | $1,504.54 | $1,432.60 |
Employee Only Plan - means only you, the employee, are enrolled in coverage.
Employee + Spouse Plan - means you and your spouse are enrolled in coverage.
Employee + Child(ren) Plan - means you and at least one child are enrolled in coverage. You can have more than one child enrolled in this plan, but not your spouse.
Family Plan - means you, your spouse, and at least one child are enrolled in covered. You can have more than one child enrolled in this plan without the premium increasing
Coverage Level | 2025 Aetna Premium Amounts | 2024 Aetna Premium Amounts |
Employee Only - Employee #1 Employee Only - Employee #2 | $864.54 | $823.84 |
Employee + Spouse - Employee #1 is listed as the employee and Employee #2 is listed as the spouse and is a dependent on Employee #1's coverage. | $1,182.93 | $1,125.70 |
Employee Only - Employee #1 Employee + Child(ren) - Employee #2 and at least one child. | $1,412.88 | $1,345.78 |
Family - Employee #1 is listed as the employee and Employee #2 is listed as the spouse and is a dependent on Employee #1's coverage along with at least one child. | $1,504.54 | $1,432.61 |
For Families with Multiple Employees
Reliant wants you to choose the coverage that is most advantageous for your family.
- Each employee will complete their form individually.
- Options exist where each employee might be the primary insured subscriber.
- If your family chooses "Family" or "Employee + Spouse", then one employee will be considered primary and the other is listed as a dependent on the insurance plan.
If you and your spouse are each choosing Employee Only plans, then do not add your spouse as a dependent. Only add your spouse or children as dependents if they are part of your plan.
- These structure (coverage) choices can be changed during Open Enrollment and during qualifying events (births, deaths, adoptions, etc.)
- If a family changes the primary insured, then all family members need to be entered on appropriate forms as if they are enrolled for the first time.
Deductibles, Networks, and Plan Summary
| Outside United States | Inside United States - In Network | Inside United States - Out of Network | |
|---|---|---|---|
Networks | All Medical Expenses (covered by the plan) are allowed. There is no network limitation. Aetna has over 168,000 medical provider relationships worldwide. | Aetna uses their own PPO network in the United States. "In-Network" refers to providers who are part of the PPO Network. | Aetna uses their own PPO network in the United States. "Out-of-Network" refers to providers who are not part of the PPO Network. |
| Annual Deductible for Medical Expenses | $0 | In-Network: $2000 single / $4000 family. Note that in-network and out-of-network are two separate deductibles, which cannot be combined. After deductible is met, covered medical expenses are paid at the rates for In-Network providers. Often 100% is paid by the plan. See plan of benefits below for more information about care and type of medical expense. | Out-of-Network: $2000 single/ $4000 family. Note that in-network and out-of-network are two separate deductibles, which cannot be combined. After deductible is met, covered medical expenses are paid for at percentage rates for Out-of-Network providers. Often 80% is paid by the plan. See plan of benefits below for more information about care and type of medical expense. |
Prescription Drugs Vendor Relationships | Relationships vary by country. Prescription claims can be reimbursed online. | Aetna members may use Walgreens, Rite-aid, Safeway, CVS, Costco, and a few others. Mail order - Aetna RX home delivery is administered by CVS, but is branded as Aetna Home delivery. | Aetna members may use Walgreens, Rite-aid, Safeway, CVS, Costco, and a few others. Mail order - Aetna RX home delivery is administered by CVS, but is branded as Aetna Home delivery. |
| Prescription Drugs Costs | 100% covered prescription expenses. | In-Network: Generic drugs are $10 copay, formulary brand name drugs are $20 copay, and non formulary drugs are $40 copay, all per month supply. | Out-of-Network: All prescription drugs are 20% deductible waived. |
| Maternity Coverage for Plan Holder and/or Dependents | Covered as any other medical expense. | Covered as any other medical expense. | Covered as any other medical expense. |
| Diabetes Supplies | No charge. | In-Network: No charge. No annual maximum coverage. | Out-of-Network: 20% after deductible. No annual maximum coverage. |
| Vision | Routine eye exams are 100% covered. Vision care supplies are no charge up to $200 per 12 months. | In- Network: Routine eye exams are 100% covered, deductible waived, and vision care supplies are no charge up to $200 maximum coverage per 12 months. | Out-of-Network: US routine eye exams are 20% after deductible, and vision care supplies are no charge up to $200 maximum coverage per 12 months. |
| Employee Assistance Program | |||
| Global Emergency Assistance Program | Aetna's Global Emergency Assistance Program includes medical evacuation, repatriation coordination, companion travel and return of mortal remains/dependent children, along with medical assistance, with an unlimited calendar year maximum. Aetna partners with WorldAware, which includes security and political and natural disaster coverage. NANA | ||
| Dental | Cost to Employee |
|---|---|
| Individual/Family Deductible Per Calendar Year | $100 single /$300 family |
| Dental Annual Maximum Coverage Per Person | $1500 |
Diagnostic and Preventative Care | Type A - No Charge |
| Basic Restorative | Type B - 20% after deductible |
| Major | Type C - 50% after deductible |
| Orthodontic | 50% for child only, with a $1500 lifetime maximum |
