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Info

Aetna is the International insurance provider.

Medical, dental, vision, emergency assistance, evacuation, and repatriation of remains are all covered in one bundled plan, so all coverage is included when under the AETNA plan. 

Reliant's international health coverage is now with Aetna, beginning in January 2020. 

Aetna bundles medical, dental and vision coverage. This means that an international missionary must have all three and cannot 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.

Multiexcerpt
MultiExcerptNameAetna Monthly Premium Rates

Monthly Premium Rates

 

Coverage Level

...

2026

Aetna Premium Amounts

2025

Aetna Premium Amounts

 

Employee Only

$450.98

...

 $432.

...

27

Employee + Spouse

...

$1,242.10 $1,182.93

Employee + Children

...

$1,026.06 $980.61

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

View file
nameAetna Reliant Benefit Grid.pdf
height250

$1,575.34 $1,504.54

  • Employee Only Plan - means only you, the employee, are enrolled in coverage.

  • Employee + Spouse Plan - means you and your spouse are enrolled in coverage.

  • Employee + Child(ren) Plan - means you and at least one child are enrolled in coverage. You can have more than one child enrolled in this plan, but not your spouse.

  • Family Plan - means you, your spouse, and at least one child are enrolled in covered. You can have more than one child enrolled in this plan without the premium increasing

Coverage Level

2026

Aetna Premium Amounts

2025

Aetna Premium Amounts

Employee Only - Employee #1

Employee Only - Employee #2

$901.96 $864.54

Employee + Spouse - Employee #1 is listed as the employee and Employee #2 is listed as the spouse and is a dependent on Employee #1's coverage. 

$1,242.10 $1,182.93

Employee Only - Employee #1

Employee + Child(ren) - Employee #2 and at least one child.

$1,477.04 $1,412.88

Family - Employee #1 is listed as the employee and Employee #2 is listed as the spouse and is a dependent on Employee #1's coverage along with at least one child. 

$1,575.34 $1,504.54

For Families with Multiple Employees

Reliant wants you to choose the coverage that is most advantageous for your family.

  • Each employee will complete their form individually.  
  • Options exist where each employee might be the primary insured subscriber.  
  • If your family chooses "Family" or "Employee + Spouse", then one employee will be considered primary and the other is listed as a dependent on the insurance plan.  

    • If you and your spouse are each choosing Employee Only plans, then do not add your spouse as a dependent. Only add your spouse or children as dependents if they are part of your plan. 

  • These structure (coverage) choices can be changed during Open Enrollment and during qualifying events (births, deaths, adoptions, etc.) 
  • If a family changes the primary insured, then all family members need to be entered on appropriate forms as if they are enrolled for the first time.

Deductibles, Networks, and Plan Summary

AetnaBundled Coverage: Medical, Vision, Dental in one PremiumYesDeductible for medical expenses incurred outside US

$0

Deductible for medical expenses incurred inside US $2000 single / $4000 familyAfter Deductible, 100% medical expenses paid for In-Network Expenses in USVaries based on type of medical expense. See schedule of benefits. Separate Deductible for In-Network and Out-Of-Network Provider ExpensesYesNetworksUses own PPO network in US and has over 168,000 medical provider relationships outside USAnnual Maximum Limit Per Covered Person Per Policy Year paid by InsuranceNo Limit Annually. No Lifetime MaximumSurcharge for dependents residing in United StatesNo

Prescription Drugs

In the US,

Outside United StatesInside United States - In NetworkInside 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 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
drug costs outside of US$0Prescription drug costs In USFor
Drugs Costs100% covered prescription expenses. 

In-Network

, generic

: Generic drugs are $10 copay, formulary brand name drugs are $20 copay, and non formulary drugs are $40

each. These are a

copay, all per month supply.

For


Out-of-Network
, all
: All prescription drugs are 20% deductible waived. 
Maternity Coverage for Plan Holder and/or DependentsCovered as any other medical expense
Maternity Coverage of Dependents
.Covered as any other medical expense.Covered as any other medical expense.
Diabetes SuppliesNo charge
outside US and
.

In-Network

US;  20% after deductible

: No charge. No annual maximum coverage. 


Out-of-Network
US
: 20% after deductible. No annual maximum coverage. 
Vision Routine eye exams
and vision care supplies outside of US and In-Network US
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

. Vision

, and vision care supplies are no charge up to $200 maximum coverage per 12 months

is $200

. 


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 

Aetna's Employee Assistance Program (EAP) - For AETNA Members

Global Emergency Assistance Program
Yes
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 
$300 family 
Dental Annual Maximum Coverage Per Person$1500

Diagnostic and Preventative Care

Type A - No Charge

Basic Restorative

Type B - 20% after deductible

MajorType C - 50% after deductible
Orthodontic50% for child only, with a $1500 lifetime maximum 

...

titleMedical
Info

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.

...

titlePrescriptions

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

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. 

Aetna Plan Benefits Details

View file
nameReliant Missions (142986) 01012024 Benefit Grid.pdf
height250
View file
nameReliant Mission (142986) Aetna 2026 Benefit Grid.pdf
height250

Medical Evacuation Brochure

View file
nameMedical evacuation brochure - Member.pdf
height250

...

titleDental
  • 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. 

...

Type A Expense (Diagnostic & Preventative) 

...

Type B Expense (Basic)

...

Type C Expense (Major)

...

Orthodontic (Child Only)

...

titleVision

...

Covered up to $200 in a calendar year

UI Expand
titleGlobal 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. 

Related Pages

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