Expatriate products for US multinational corporations
Our custom plans give employers the flexibility to create benefit solutions that include a choice of Indemnity, HRA, and PPO medical plans, coupled with specialized products and services that enhance their overall international benefit offerings. Our plans provide portable and comprehensive worldwide medical coverage, so expatriate employees can access care from the provider of their choice — anywhere in the world.
Traditional Choice® (Indemnity)
With an indemnity plan, employees can access care for covered services from the provider of their choice, without the inconvenience of referrals. Employees are responsible for seeking care, initiating pre-certification (where applicable), paying for services and submitting claims for reimbursement.
Employee out-of-pocket expenses, such as deductibles and coinsurance, must be satisfied before benefits are paid. Benefit maximums and lifetime maximums also apply.
Health Reimbursement Arrangement (HRA)
The Aetna HealthFund® Health Reimbursement Arrangement (HRA)
The Aetna HealthFund HRA plan is a simple, three-part plan that helps employees take charge of their own health as well as their health care spending. Employees receive a fund at the beginning of each year to help them pay for medical expenses. Under the Aetna HealthFund HRA plan, employees are also free to choose the doctors and services that fit their individual needs.
Preventive care is covered at 100 percent, and a deductible applies before plan coverage begins. After the fund is depleted and the deductible is met, remaining eligible health expenses are covered according to the plan coverage level.
Preferred Provider Organization (PPO)
Open Choice® Preferred Provider Organization (PPO)
The PPO plan also gives members the choice to seek care from any provider they choose. However, members who may return to the United States while on assignment (or foreign nationals on assignment in the US) can receive significant discounts when they visit doctors or hospitals that participate in Aetna's US provider network. One of the most extensive networks in the US today, it includes doctors and hospitals approved and recruited by Aetna to offer quality care at pre-negotiated rates. In addition, plans include benefits for services received outside the US that can match or exceed those received while in an Aetna US network — so employees are not penalized when seeking care outside the United States.
Group Trust Plans
Our trust plans are designed for companies and organizations with between 2 and 50 expatriate employees. Each plan offers a comprehensive international benefits plan, as well as health and wellness programs at a competitive price. The Aetna International Expatriate Trust allows smaller employers to benefit from being part of a larger group of companies with similar international health benefits needs. The result is greater purchasing power and rate stabilization, as well as streamlined quoting, implementation and administration processes.
Aetna International Expatriate Trust
- PPO Medical Plan
- Emergency Assistance & Evacuation
- Health Care Counseling: Informed Health® Line
- Mental Health Counseling: International Employee Assistance Program
- Wellness Tools and Programs: Aetna Global Health Connections
- Life Insurance and Accidental Death and Personal Loss
- Long-Term Disability
Our Aetna International WorldTravelerSM and WorldTravelerSM Plus plans provide medical coverage and emergency assistance services to employees who are traveling on international business trips for six months or less.
The plans include access to medical assistance services, travel assistance services, emergency medical evacuations and translation services. Both plans feature streamlined quoting, implementation and administration processes for employers, and provide extra peace of mind for employees.
Aetna International WorldTraveler
The Aetna WorldTraveler Plus plan takes it one step further to provide even more peace of mind for your travelers. A few of the upgrades in this plan include:
- Lost checked-in luggage benefit
- Trip interruption insurance with medical reason
- Return of personal effects in the event of an evacuation
- Political/natural disaster assistance
Programs included in both WorldTraveler plans:
- Indemnity Medical
- Prescription Drug
- Dental (Accidental Injury)
- Emergency Assistance & Evacuation
- Business Travel Accident
- Dependent coverage
- Sojourn coverage*
*Please note that coverage during leisure travel for primary subscribers and dependents when travel is connected with business travel.