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Domestic employees that are covered on Reliant's GuideStone medical insurance plan are also automatically covered worldwide for overseas medical expenses with BCBS Global Core. Therefore, in most cases, supplemental travel medical coverage is not necessary and might not cover any additional costs, since these supplemental policies typically are the secondary insurance/payer if someone also has coverage through a primary insurance. Please be aware deductibles |
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All international claims are treated as in-network, therefore, deductibles for your existing US medical plan would will apply to any medical treatment costs incurred overseas. Expenses These expenses for overseas medical services paid towards an employee's deductible and out of pocket expenses will be merged with the employee's US deductible and out-of-pocket amounts for the calendar year. * Unusual situations or medical care: GuideStone, Reliant's medical insurance provider, has confirmed they could not think of any situation that would NOT be handled in this manner of in-network for all standard medical expenses. IF the employee's medical situation is unusual or if the medical treatment being received is not typically allowed under the US plan's guidelines, there may be very usual circumstances that medical care might be treated as out-of-network. In these types of unusual scenarios, we always recommend that the employee reach out to BCBS Global Core before receiving medical care to ensure the medical treatment will qualify as in-network. |
See Medical Insurance for more details.
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