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 become eligible for coverage, see Eligibility and Enrollment for International Insurance. |
Coverage Level | 2020 Aetna Premium Amounts |
Employee Only | $314.65 |
Employee + Spouse | $853.19 |
Employee + Children | $712.44 |
Employee + Family | $1091.55 |
In-Network Deductibles and Coverage:
Out-of-Network Deductibles and Coverage:
| Aetna | |
|---|---|
| Bundled Coverage: Medical, Vision, Dental in one Premium | Yes |
| Deductible for medical expenses incurred outside US | $0 |
| Deductible for medical expenses incurred inside US | $2000 single / $4000 family |
| After Deductible, 100% medical expenses paid for In-Network Expenses in US | Varies based on type of medical expense. See schedule of benefits. |
| Separate Deductible for In-Network and Out-Of-Network Provider Expenses | Yes |
| Networks | Uses own PPO network in US and has over 168,000 medical provider relationships outside US |
| Annual Maximum Limit Per Covered Person Per Policy Year paid by Insurance | No Limit Annually. No Lifetime Maximum |
| Surcharge for dependents residing in United States | No |
Prescription Drugs | In the US, 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 | $0 |
| Prescription drug costs In US | For In-Network, generic drugs are $10, formulary brand name drugs are $20 and non formulary drugs are $40 each. These are a copay per month supply. For Out-of-Network, all prescription drugs are 20% deductible waived. |
| Maternity Coverage | Covered as any other medical expense |
| Maternity Coverage of Dependents | Covered as any other medical expense |
| Diabetes Supplies | No charge outside US and In-Network US; 20% after deductible Out-of-Network US. No annual maximum coverage. |
| Vision | Routine eye exams and vision care supplies outside of US and In-Network US are 100% covered, deductible waived. Vision care supplies 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. |
| Global Emergency Assistance Program | Yes |
| Dental | Cost to Employee |
|---|---|
| Individual/Family Deductible Per Calendar Year | $100/$300 |
| 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 |
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-NetworkThe 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-NetworkExpenses 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. |
Inside U.S.
Outside U.S.
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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. |