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Aetna is the International insurance provider. Medical, dental, vision, emergency assistance, evacuation, and repatriation of remains are all covered in one bundled plan, and there is no option to elect only some of the benefitsso all coverage are included when under the AETNA plan. For information on when international missionaries become eligible for coverage, see Eligibility and Enrollment for International Aetna Insurance. |
Monthly Premium Rates
Coverage Level | 2020 Aetna Premium Amounts | 2021 Aetna Premium Amounts |
Employee Only | $314.65 | $327.23 |
Employee + Spouse | $853.19 | $887.31 |
Employee + Children | $712.44 | $740.93 |
Employee + Family | $1091.55 | $1,135.21 |
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Deductibles, Networks, and Plan Summary
| Outside United States | Inside United States - In Network |
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| Inside United States |
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Networks
Uses Aetna PPO network| - Out of Network | |||
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Networks | No network. 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, medical expenses are paid for at different percentage rates based on In-Network or Out-of-Network care and type of medical expense. See plan of benefits below for more information. | Out-of-Network: $2000 single/ $4000 family. Note that |
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in-network and out-of-network are two separate deductibles, which cannot be combined. After deductible is met, medical expenses are paid for at different percentage rates based on In-Network or Out-of-Network care and type of medical expense. See plan of benefits below for more information. |
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. |
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| 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. |
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| 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. |
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| 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. |
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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 | See Solomon Link for more information: | See Solomon Link for more information: | See Solomon Link for more information: |
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| 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. | NA | NA |
| Dental | Cost to Employee |
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| 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 |
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