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 Reliant 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 am I considered a "Waive" when our family is covered by Reliant’s International Insurance?  

When the primary policy holder of your insurance is your Reliant employed spouse, you are technically considered a "waive" as relates to your individual employee offer of coverage.   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.

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" their employee offer of insurance. Reliant would prefer that the pay first spouse be the primary insured. 

Selections may be renewed each year, and can be done by marking that selection on the annual Open Enrollment form. Changes of the structure of your plan can also be made at the time of any qualifying event like birth, marriage, loss of coverage, etc.  When needed, we may ask you to submit a form.  

What waives are allowed for International Missionaries?  

Reliant’s Aetna International 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. Beyond these legal requirements, 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.  When someone actually encounters a need that is not covered, the entire team can be adversely affected in trying to cover for the need.  Therefore, the Partner Organization must initiate and approve waives from our insurance. 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 Team at Reliant. 

Waiver form