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Reliant understands that some nations abroad require residents to participate in the locally provided National Health Care plan. Reliant also understands that the costs of maintaining both health plan coverages may be burdensome from an ongoing MTD fundraising perspective. ( Though MTD burden alone is not sufficient reason to choose to Opt Out.) Therefore, Reliant allows international workers to electively Opt Out of Reliant’s International Health Insurance Group Coverage Plan when they need or wish to be covered by National Health Care plans provided in the country of service. This page outlines requirements and considerations related to Opting Out of Reliant's coverage. Most US citizens prefer to be treated in the US if a catastrophic illness occurs. Therefore, Reliant only recommends Opting Out of our International Health Insurance Plan when the international worker is ready to be cared for exclusively by the National Health Care system where they reside. Reliant recommends that an international worker consider carrying both coverages. It is fully allowable and advisable to be covered by both plans. Important Considerations
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Reliant will allow overseas missionaries to electively opt out of Reliant’s Overseas Health Insurance Group Coverage. Overseas Missionaries are only allowed to waive Reliant’s group plans (medical and dental coverage) if they enroll in and are covered by the national government health plan provided by the host foreign country where the missionary is serving.
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election will be given under the following circumstances
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election will NOT be given under this circumstance
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Reimbursement of National Health Care Cost
Reliant will taxably reimburse the missionary for 100 percent of the monthly or annual premiums of their host country national plan coverage for themselves and their family members. This will be done in two ways:
- If the missionary pays monthly premiums, they will add the cost of the monthly premiums to their International Support Goal Worksheet (SGW) in Section A – Monthly Salary. It will then be paid out to the missionary as additional taxable salary. • The missionary needs to submit a new International SGW for changes to be effective.
- If the missionary pays monthly/annual premiums, they will submit the expense on a Reliant ministry reimbursement form as a taxable reimbursement. They will need to also update their SGW to include the additional expense in Section C – Estimate of Infrequent Ministry Expenses.
Reimbursement of Short-Term Supplemental Health Insurance Travel Policy For Furlough/Home Service while in the US
Reliant overseas missionaries who opt out of the Reliant health plan, will be eligible to taxably reimburse 100 percent of the cost of a short-term supplemental health insurance travel policy for traveling for themselves and their family members (e.g., to the USA for their 2 -3 month furlough). The missionary will need to submit this expense on a Reliant ministry reimbursement form as a taxable reimbursement. Any costs for medical claims that are incurred on furlough or while traveling, that not covered by their short-term supplemental health insurance travel policy will be 100 percent the responsibility of the missionary.
WARNING: Many online insurance carriers,
who offer short-term supplemental health insurance travel policies, only offer limited coverage and limits or exclusions on many pre-existing conditions. Please make sure you are completely aware of these important details of the coverage and its limitations.
Proceed With Extreme Caution When Seriously Considering Opting Out of Reliant’s Overseas Health Plan
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Salary increase allowed for national health care premiumsReliant employees may add the monthly cost of National Health Care premiums to their monthly salary goals.
The employee is making the decision to opt out 100 |
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percent at their own risk. Thus, Reliant |
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requires that any |
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employee decision to opt out of the Reliant |
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International Health Insurance Plan be made very carefully, prayerfully and with much counsel. This decision may have significant consequences on a |
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employee’s health coverage and possibly their personal finances. Making the decision simply because it means less |
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Reliant ministry MTD support to raise can be |
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an extremely short-sighted reason and should NOT be made simply for that reason. Here are additional issues to be considered:
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If an international worker desires to opt out of Reliant’s health plan and plans to enroll in their host country’s national health plan |
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Next |
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steps for |
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opting out of Reliant |
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coverage |
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Employee must first confirm that they are eligible for host country national health |
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coverage, enroll and receive proof of coverage. (Often this involves a page being added in a passport, or other identification cards.) Send the following to Reliant (email these to: international@reliant.org) |
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Until final Reliant approval is given for opting out, the |
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employee will continue to be covered under Reliant’s |
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International Health Plan. |
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International Opt Out Request Form
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For questions: email international@reliant.org