Solutions for brokers - North America

Quality dental coverage is more than a simple health benefit. It's an investment in employees’ total health – an investment that can result in increased productivity and lower overall health care costs.

For example, research shows a possible link between periodontal disease and certain ongoing health conditions, such as diabetes and heart disease. It may also be connected to other conditions such as premature labor. The good news is that routine dental care can have a positive effect on these conditions, because it allows for the early identification and treatment of dental problems.

We offer quality dental coverage for globally-mobile employees. Employers havefour dental plans to choose from -- including both our standard and lower-cost preventive plans. This allows them to find the best plan for their employee population.

Dental Indemnity Plan
Employees can visit any licensed dentist for preventive care, basic and major services. Depending on the plan selected, services are generally subject to deductibles, coinsurance and annual and lifetime maximums. Claim forms may also be required.

Dental PPO Plan
Employees have the freedom to visit any licensed dentist for preventive, basic and major services -- with additional savings when they use a participating U.S. provider.

Aetna Dental Preventive Care^SM Indemnity Plan
Employees enjoy the freedom to visit any licensed dentist for preventive and diagnostic services. They simply pay the dentist the full amount at the time of service, and then submit a claim for reimbursement. Employees can also enjoy discounts on restorative care, teeth whitening and adult orthodontia.

Aetna Dental Preventive Care^SM PPO Plan
Similar to the Dental PPO plan, the Dental Preventive Care PPO plan offers coverage for preventive and diagnostic services such as dental exams, cleanings and X-rays. Employees can also enjoy discounts on restorative care, teeth whitening and adult orthodontia, and benefit from additional savings when they use a participating U.S. provider.

Aetna’s Discount Programs* offer empoyees special savings and discounts on:

• Natural products and services, including over-the-counter vitamins and nutritional supplements, as well as chiropractic services, acupuncture, massage therapy, nutrition counseling, aromatherapy and homeopathy.**
• Fitness club memberships and home exercise equipment.
• Hearing exams and hearing aids.
• Vision care, including eye exams, eyeglasses, contact lenses, and even LASIK surgery, at a broad range of participating national chains including Target Optical^®, Sears Optical^®, Pearle Vision^® and Lenscrafters^®.
• SpaWish^® gift certificates, which are accepted at over 1,000 spas across the U.S.
• Zagat^® online membership, with a choice of receiving restaurant reviews only, or full access to ratings on hotels, restaurants, movies and other attractions.
• eDiets^® membership, with access to customized weekly menus, recipes, support boards, chats, nutrition tools and fitness tips.
• Health and wellness information from the MayoClinic.com bookstore.
• Weight management through Weight Watchers^®.

*The programs listed above are for discounted services only. Discounts are not insurance. Eligible members include: expatriates on assignment in the United States; expatriates on home leave who may return to the U.S. for vacation or “home-leave” but remain on an Aetna International policy; and, eligible dependents who may remain in the U.S. but are still participating in an Aetna International plan. Vision One® is also available in Canada, excluding the Province of Quebec.

**In countries where “alternative” treatments such as acupuncture or massage are considered a standard of care, full benefits may apply.

Our emergency assistance services give employees the comfort of knowing that help is available for virtually any urgent situation, 24 hours a day, 365 days a year. Our International Health Advisory Team (IHAT) is able to seamlessly coordinate with the emergency assistance provider selected by the customer.

Available services include emergency medical evacuations, security consultations, medical provider referrals, translation services and legal referrals, as well as assistance with lost or stolen travel documents, repatriation, and more.

Sometimes health questions come up at times other than regular business hours. Aetna’s Informed Health Line gives employees convenient, toll-free access to registered nurses 24 hours a day, 7 days a week. Our nurses can provide a variety of health information -- when employees need it most.*

*Informed Health Line Services are provided by Informed Health Line, Inc. Informed Health Line nurses cannot diagnose, prescribe or give medical advice. Members should first contact their doctor with any questions or concerns regarding their health care needs.

Our Term Life product is a low-cost, high-value addition to any benefits package. It offers essential financial protection for employees and their dependents, and is available as earnings-based or in flat amounts.

Our Accidental Death and Personal Loss coverage is included in certain medical plans. It offers additional financial security if an employee experiences an accident while on assignment.

Our Long Term Disability (LTD) insurance is designed to replace a reasonable portion of employees’ earnings, should they lose all or part of their income as a result of a disabling illness or injury.

 Personal issues shouldn’t detract from an employee’s health or assignment, however, challenges can arise. This can be especially true when facing the cultural adjustment issues that can be associated with an international relocation.

Our International Employee Assistance Program (IEAP) can help employees and their families address issues that may arise while on assignment. Services include 24-hour crisis intervention, up to five counseling sessions (in person or by telephone) per plan year, management consultation, Web-based health and wellness information and self-assessment tools.

By combining pharmacy benefits with your medical plan, you’re creating a total benefits solution that can help you manage your health care costs. Our pharmacy plan offers employees the flexibility of filling prescriptions at virtually any pharmacy in the world. When the prescription is filled, the employee simply submits a claim to us for reimbursement.

Employees who seek pharmacy benefits in the United States have access to Aetna's extensive U.S. retail pharmacy network. The network includes the U.S., the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. Employees can also receive up to a 12-month supply of covered medications before leaving on assignment. Employees or dependents who reside in the United States also have access to Aetna's mail-order pharmacy, the Aetna Rx Home Delivery^® program. This program offers up to a 90-day supply of covered medications, providing the prescription is issued by a United States board-certified medical professional.

An employee’s overall health and wellness is critical to a successful, productive assignment—especially when it comes to their eyesight. Our vision program includes coverage for eye exams under our medical plans. It also features a separate eyewear benefit for lenses, frames and contact lenses. This benefit provides a flat dollar amount that can be applied toany type of eyewear purchase. Additionally, employees and dependents who reside in the United States have access to the Aetna Vision^SM discount program, regardless of whether a vision benefit is included in their medical plan.

Vital Savings^SM on Dental offers members savings on dental cleanings, X-rays and fillings, as well as restorative work such as crowns and dentures. They'll benefit from discounted services at a nationwide network of thousands of participating dentists, which can result in hundreds of dollars in annual savings!

Other discounts available under the Vital Savings by Aetna program include vision, natural products and services, fitness, oral health care supplies and hearing care.

There are no claim forms or referrals, which makes it easier for employees to focus on what's important: their health and assignment.

International Disease Management Program
Our International Disease Management Program can help your employees understand their diabetes, asthma, cancer or coronary artery disease, better manage their condition and ultimately achieve their state of optimal health — all with a helping hand from the International Health Advisory Team (IHAT).

International Maternity Management Program
Your employees can enjoy education on the basics of pregnancy, healthy eating and exercise, tips for dad/partner, bringing baby home, and more — all on their secure member website. And as always, IHAT is ready to provide the extra clinical support to help your employees know and manage their risk factors.

Weight Management
Eating right and maintaining a healthy weight directly affect your employees' wellbeing. That’s why we are pleased to offer savings on Weight Watchers^®, a trusted name in safe and sensible weight loss, to our members

Wellness Center
The Wellness Center is available through the secure member website and offers a wealth of health and wellness information on topics such as pre-trip planning, managing a chronic condition, stress management, maternity tips, and more.

Wellness Checkpoint^®
Wellness Checkpoint is a self-directed online wellness program that provides participants with knowledge about their personal health needs and motivates them to make lasting positive changes. A confidential Health Risk Assessment drives a Personalized Action Plan that covers a range of topics including nutrition, fitness, stress management and more.

 Aetna International pioneered the concept of an "international health care concierge". This means that we put our members at the center of everything we do, and want to make sure they are satisfied the first time — and every time — they interact with us.

Our trained, multilingual member service professionals are available year-round to respond to members' international benefits needs. Core services include:

• 24-hour, multilingual support via toll free phone, fax or e-mail
• Helping members locate health care around the world
• Answering questions regarding claims, benefit levels and coverage
• Global Claim Processing: we process claims in virtually any language and offer three convenient reimbursement options
  
  

Unfamiliar health care systems, procedures, foreign currency… there are many things to consider when going on an international assignment. Our International Health Advisory Team (IHAT) was created to help members prepare for their transition.

IHAT is a personalized, innovative model that includes both Aetna health care professionals and our best-in-class strategic partners, who offer the highest level of services designed to meet the unique needs of a global population.

IHAT provides members with a single point of contact any time of day or night — ensuring consistency and a higher standard of care. The IHAT team uses state-of-the-art resources to supervise medical evacuations and other emergency assistance. In addition, it coordinates second opinions for complex cases, and provides personalized member outreach, medical case management, and pre-assignment planning — which can include anything from locating a disease management specialist to helping members obtain medical devices or prescription medications.

IHAT's vast clinical knowledge has no geographic borders; the team has extensive experience helping members navigate health delivery systems anywhere in the world.