Reliant allows international workers to electively Opt Out of Reliant’s International Health Insurance Group Coverage Plan when they need or wish to be covered by National Health Care plans provided in the country of service. This page outlines requirements and considerations related to Opting Out of Reliant's coverage.

Reliant understands that some nations abroad require residents to participate in the locally provided National Health Care plan. Reliant also understands that the costs of maintaining both health plan coverages may be burdensome from an ongoing MTD fundraising perspective. ( Though MTD burden alone is not sufficient reason to choose to Opt Out.)

Most US citizens prefer to be treated in the US if a catastrophic illness occurs. Therefore, Reliant only recommends Opting Out of our International Health Insurance Plan when the international worker is ready to be cared for exclusively by the National Health Care system where they reside. Instead Reliant recommends that a international worker consider carrying both coverages. It is fully allowable and advisable to be covered by both plans.

Employees need to carefully research what is provided in the national plan of the country where they reside. Many national health plans require some payment for the covered services. They typically have extreme limitations on what can be provide outside of the country. 

International workers are only allowed to opt out of Reliant’s International Health Insurance plans (medical and dental coverage) AFTER they enroll in and are ACCEPTED by the National Government Healthcare provided by the host foreign country where the international worker is serving. Also, Reliant CANNOT be held responsible for any gap in health and dental coverage that results from the worker’s personal decision to opt out of the Reliant provided international medical and dental insurance. Financially, for any coverage gap that results, the worker will be 100 percent financial responsible to cover this.

The election will be given under the following circumstances

• Employee must sign a legal waiver that states they are willing electing to opt out of (or waive) Reliant provided International Health Insurance Plan and are choosing to be 100 percent covered by the national government health plan of the host foreign country where they are serving.
• Employee must provide Reliant with adequate and official proof of their national health plan coverage before their waiver can be approved. Until final approval is given, the employee will continue to be covered under the Reliant group health plan.
• The employee accepts 100 percent financial responsibility for their medical expenses not covered by the government national health plan they are enrolling in. So the employee should make this decision to opt out with very careful thought, prayer, counsel and serious consideration.
• The employee will be 100 percent responsible for securing any supplemental health insurance needed for their stateside furlough period and for any travel conducted outside of their host country. The employee will NOT be eligible to enroll back into Reliant coverage simply for any stateside two to three month furlough period.
• Once the employee elects to opt out of Reliant coverage, they will only be allowed to Opt In again during annual open enrollment periods. The employee will thereafter remain on Reliant coverage (thus, no second Opt-Out waiver will be approved).

The election will NOT be given under this circumstance

• The opt out election is reserved ONLY for those employees deciding to join their host country’s national plan, and CANNOT be used by the Reliant employee to simply seek out another alternative personal/family health insurance policy from an independent international insurance provider, carrier or broker.

Salary increase allowed for national health care premiums

Reliant employees may add the monthly cost of National Health Care premiums to their monthly salary goals. This will be done as follows: 

• The employee is responsible to pay the premiums directly to the national government. 
• They will also add the cost of these monthly premiums to their International Support Goal Worksheet (SGW) in Section A – Monthly Salary. It will then be paid out to the employee as additional taxable salary. 
• The new International SGW needs to be submitted and processed before changes can increase the paycheck.

The employee is making the decision to opt out 100 percent at their own risk. Thus, Reliant requires that any employee decision to opt out of the Reliant International Health Insurance Plan be made very carefully, prayerfully and with much counsel. This decision may have significant consequences on a employee’s health coverage and possibly their personal finances. Making the decision simply because it means less Reliant ministry MTD support to raise can be an extremely short-sighted reason and should NOT be made simply for that reason.

Here are additional issues to be considered:

1. Reliant International Health Plan provides excellent world-wide coverage for all our international workers. Many host country’s national health plans reduce (or possibly even eliminate) coverage benefits when traveling outside the host country or back to the USA. This will be a challenge when returning home to the United State for furlough or when traveling outside the host country for visa renewals, staff/pastors conferences, vacations, etc.
2. Reliant strongly recommends that the employee consider short-term supplemental health insurance for any trips back to the USA for family, furlough, or other ministry reasons. We cannot stress enough the importance for the employee and their family members to have adequate health insurance coverage while outside of their host country
3. As previously mentioned, many short-term supplemental health insurance policies for any travel back to the USA very often do not include coverage for pre-existing conditions. Reliant strongly recommends that the employee obtain a short-term health plan policy that includes coverage for preexisting conditions. One such possible resource is www.insubuy.com. (NOTE: Reliant does not officially endorse this website, but is simply providing it as an information resource).
4. If the employee ever needs extended medical treatment, this may need to take place back in their host country. For example, if the employee is on the host country’s national health plan and gets diagnosed with cancer. And they really desire to come back to the States to be treated at the Mayo Clinic or another US health facility. The government’s national health plan may require them to be treated in the host country. Thus, choosing to opt out of Reliant’s International Health Plan may result in such restrictions that the employee must be willing to live with if they ever face a serious illness.
5. There may be waiting periods for certain coverages or pre-existing condition restrictions associated with joining a host country’s national health plan. The employee needs to be fully aware of these.
6. When opting out of Reliant coverage, the employee is also taking full 100 percent responsibility for the financial consequences that may result from this decision. Therefore, any costs incurred for medical expenses and claims not covered by their host country’s national health plan will be the responsibility of the employee.
7. Emergency medical evacuations will be affected by choosing a national host country health plan. You will lose the following coverages provided by Reliant’s International Health Plan: 

• • This consists of evacuation and repatriation coverage at 100 percent (Deductible waived) of up to $20,000 for Repatriation of Remains available through Reliant health coverage. 
  • Reliant may require the employee to carry medical evacuation and repatriation insurance in addition to National Healthcare, at its discretion. 
  • You may possibly lose $1,000,000 per occurrence for Medical Evacuation. Host country national plans may or may not provide these benefits. Reliant cannot be held responsible for any gap in coverage resulting from the employee’s personal decision to opt out.

If an international worker desires to opt out of Reliant’s health plan and plans to enroll in their host country’s national health plan:

• They will be covered by Reliant’s global coverage until the employee provides the Opt Out Request form and proof of National Health Coverage to Reliant.
• The employee needs to research to see if they qualify for the national health plan of their host country.
• The employee needs to research the national health plan & compare it to Reliant’s Coverage Plan Benefits.
• The employee should understand clearly what the national health plan does and does not cover when traveling outside their host country.
• They should discuss this important decision with their family, supervisor and other goers before making any final decision. 

Next steps for opting out of Reliant coverage

Employee must first confirm that they are eligible for host country national health coverage, enroll and receive proof of coverage. (Often this involves a page being added in a passport, or other identification cards.) 

Send the following to Reliant (email these to: international@reliant.org)

• Submit the International Opt Out Request Form
• Official and adequate proof of their national health plan insurance coverage
• Submit updated International SGW to account for changes in medical premium expenses

Until final Reliant approval is given for opting out, the employee will continue to be covered under Reliant’s International Health Plan.

International Opt Out Request Form