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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 so all coverage is included when under the AETNA plan Reliant's international health coverage is now with Aetna, beginning in January 2020. Just like previous international insurance plans, Aetna bundles medical, dental and vision coverage. This means that an international missionary must have all 3 and cannot just elect to only have one or two of the options. For information on when international missionaries workers become eligible for coverage, see Eligibility and Enrollment for International Aetna Insurance. |
Monthly Premium Rates
Coverage Level |
2024 Aetna Premium Amounts
| 2023 Aetna Premium Amounts | 2022 Aetna Premium Amounts | 2021 Aetna Premium Amounts | |
Employee Only |
| $411.92 | $402.82 | $341.66 | $327.23 | |
Employee + Spouse |
| $1,125.70 | $1,100.05 | $926.66 | $887.31 |
Employee + Children |
| $933.86 | $912.94 | $773.68 | $740.93 | |
Employee + Family |
Deductibles
In-Network Deductibles and Coverage:
- The deductible for covered medical expenses incurred overseas (ie., outside of the U.S.) is $0.
- The deductible for covered medical expenses incurred inside of the U.S. is $2,000 (single)/$4,000 (family). After deductible is met, medical services are covered at different percentages based on the service and in-network or out-of-network provider.
- In the United States, Aetna uses an Aetna Preferred Provider Network (PPO).
- Outside of North America, Aetna has many existing relationships with overseas providers and will initiate a relationship with any new provider with whom they don't already work, so that providers can bill Aetna directly.
Out-of-Network Deductibles and Coverage:
- The only expenses that have a separate deductible are expenses incurred in the U.S. Out-of-Network, which is also $2000 single/ $4000 family.
Coverage & Services
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| $1,432.60 | $1,400.40 | $1185.41 | $1,135.21 |
*For more details on families with multiple employees, please read the instructions here.
Deductibles, Networks, and Plan Summary
| Outside United States | Inside United States - In Network | Inside United States - Out of Network | |
|---|---|---|---|
Networks | All Medical Expenses (covered by the plan) are allowed. There is no network limitation. 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, covered medical expenses are paid at the rates for In-Network providers. Often 100% is paid by the plan. See plan of benefits below for more information about care and type of medical expense. | Out-of-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, covered medical expenses are paid for at percentage rates for Out-of-Network providers. Often 80% is paid by the plan. See plan of benefits below for more information about care and type of medical expense. |
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. | Aetna |
$0
Prescription Drugs
| 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 |
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| Drugs Costs | 100% covered prescription expenses. |
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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. | |
| Maternity Coverage for Plan Holder and/or Dependents | Covered as any other medical expense |
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| . | Covered as any other medical expense. | Covered as any other medical expense. |
| Diabetes Supplies | No charge |
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| . | In-Network |
: No charge. No annual maximum coverage. | Out-of-Network |
| : 20% after deductible. No annual maximum coverage. | |
| Vision | Routine eye exams |
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| are 100% covered. Vision care supplies are no charge up to $200 per 12 months. | 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 | |||
|---|---|---|---|
| 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. NANA |
| Dental | Cost to Employee |
|---|---|
| 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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| title | Medical |
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| Info |
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Aetna provides medical coverage worldwide in three categories: Outside U.S., U.S. In-Network, and U.S. Out-of-Network. |
Outside U.S.
The Aetna Deductible for expenses outside of the U.S. is $0.
Aetna has direct-bill relationships with 168,000 medical providers outside the United States. If Aetna does not already directly bill your current doctor, Aetna will establish a relationship with your current doctor or clinic to set up direct billing.
U.S. In-Network
The Aetna Deductible for expenses incurred in the U.S. In-Network is $2,000 employee/$4,000 family (employee + spouse, child, or family).
In the United States, Aetna has Preferred Provider Network (PPO). After reaching your deductible, Aetna covers most* medical costs at 100% (see the Plan Summary for additional details on the types of medical expenses covered under Aetna's plan).
*Some co-pays pay still apply after the deductible is met. Please see restrictions for non-emergency use of emergency room and urgent care services, as additional out of pocket costs may apply.
U.S. Out-of-Network
Expenses incurred from a U.S. Out-of-Network provider will count toward a separate additional deductible of $2,000 employee/$4,000 family (employee + spouse, child, or family)
If you incur expenses from a U.S. Out of Network provider after you reach your plan deductible, Aetna covers 20% or 50% of expenses depending on the type of medical expense.
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| title | Prescriptions |
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Inside U.S.
- For expenses incurred through U.S. In-Network providers, you will be responsible to pay a co-pay of $10 per month supply of generic drugs, $20 copay per month supply of formulary brand name drugs, and $40 copay per month supply of non formulary brand name drugs. For prescriptions through U.S. Out-of-Network providers, you will be responsible for 20% of the cost of your prescription.
| Info |
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Aetna works with the following prescription vendors: Walgreens, Rite-aid, Safeway, CVS, Costco, and a few others. Mail order - Aetna RX home delivery administered by CVS but branded as Aetna Home delivery. |
Outside U.S.
- There is no charge pharmacy expenses outside the U.S.
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| title | Dental |
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- Calendar year maximum per covered person, per policy year is $1,500.
- Aetna charges a deductible of $100 per individual per calendar year and $300 per family per calendar year.
Aetna Plan Benefits Details
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Medical Evacuation Brochure
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Type A Expense (Diagnostic & Preventative)
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Type B Expense (Basic)
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Type C Expense (Major)
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Orthodontic (Child Only)
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| title | Vision |
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Covered up to $200 in a calendar year
| UI Expand | ||
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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. |
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