What is a Waive of Insurance?  

When you are Benefits Eligible, you will be offered insurance by Reliant.   This an offer that is regulated by governmental codes of the Affordable Care Act.  When you accept insurance coverage through another person’s employment, you will be asked to “waive” your offer of insurance.  Reliant and its insurance providers have obligations to confirm that you are covered by allowable insurances.  

A waive is a notice that we keep on file.  It indicates to us who is providing your insurance, and it needs to be renewed each calendar year.  

Why do I need to submit a Waive Form when our family is covered by Reliant’s International Insurance?  

When  the primary policy holder of your insurance is your Reliant employed spouse, you do need to submit a waiver. It may see counter-intuitive, yet it’s needed, because you are technically waiving your personal offer to participate on your spouses plan.  When you and your spouse are both employed by Reliant, you have the option of choosing coverage as two individual employees, or as family unit.  (No waive form is needed if you each have your individual policies.)  

We encourage you to identify what is most beneficial for your family as you select your plans.  When choosing one of the options that insures you as a family unit, one spouse carries the Insurance, and the other spouse waives insurance.  Usually we need the policy holder to also be 1st-pay. 

What waives are allowed for International Missionaries?  

Reliant’s AETNA coverage is compliant with the Affordable Care Act.  Under ACA there are waives allowed when you are on the insurance coverage offered by the employer of a family member.   While the law allows that, Reliant has additional requirements before you may waive our insurance for a family member’s plan. Namely, this waive Option must be initiated and approved by the Partner Organization.

While living overseas, most US plans will treat any medical needs as out-of-network, and make any expenses truly un-affordable.  In addition, our International Policies include medical evacuation, political evacuation, and other essential coverages for the International worker.  Many of Reliant’s teams partnerships would depend on those coverages and don’t have the resources needed to accommodate your hardship if something were to happen.  

Therefore, International Missionaries may utilize ACA allowed waivers only after their Supervisors and Partnerships have made arrangements previously with the International Program at Reliant.