Meet your international benefits plan
What you need, wherever you are
Nippon Life Benefits with Aetna International coverage means you have support that comes with a deep understanding of international standards and cultural differences. In other words, personalized care and peace of mind for you and your family.
We want to make understanding your plan and managing your health as easy as possible. This overview guide will help you learn more about getting the most from your international benefits plan as well as how to find a doctor, connect with our clinical care management team, submit claims and more.
Using your member ID number
Your Aetna International member ID number is the same as your Nippon Life Benefits member ID number, but without letters. So if you're providing your Nippon member ID number during registration, claim submission or when calling member services — you only need to provide the numbers from your ID card. For example, with an ID number of "N12345678", you'd leave off the letter "N" and just use the numbers "12345678".
Get connected before you travel
Register on your Aetna International member website
1. Read our guide on how to register
2. Go to AetnaInternational.com
Your Aetna International member website gives you anywhere access to:
- Manage your plan details
- View forms, documents and digital ID cards
- Find doctors
- Submit claims and track claims you've filed online
You’ll need to register before you can use the Aetna International mobile app.
Download and use our Aetna International mobile app when you’re outside the U.S. to:
- Search for doctors and hospitals worldwide
- Submit claims and view EOBs of claims you've filed online
- Request a Guarantee of Payment (GOP)
- Find forms, health care resources and more
Download the Aetna
International mobile app
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What to know about finding care
To find a provider outside the U.S., you can use the provider search tool on AetnaInternational.com. Or contact the Aetna International Member Services team 24/7, by calling 1-800-231-7729.
Aetna International has a broad global network of health care providers. You can save time and money when you see a direct-pay provider in our network. This means the doctor bills us directly for your care and you have less out-of-pocket costs at time of service.
If you choose to see a provider outside of our direct-pay network, you’ll need to pay for the service, then submit a claim to get reimbursed based on your benefits plan. Learn more below in the section submitting claims.
A highly-specialized clinical care management team can also help you find care and manage health conditions. Learn more about all the support and resources you have through our International Care Management program in the section below.
In case of an emergency
- If you’re having a medical emergency, go directly to the nearest hospital
- Contact Aetna International using the number on the back of your Nippon Life Benefits ID card — or have someone else call for you
- Clinical care management experts will conduct a place of safety assessment and work with the treating doctor to determine if that facility can treat you, or if we need to arrange for an evacuation to the closest capable facility.
We’ll work closely with you and the facility to manage your care, the cost and everything in between.
To schedule service
1. Find a provider in the Aetna International direct pay network
- Register for your Aetna International member website, if you haven’t already, and log in to AetnaInternational.com, click “Find health care” and enter your location
- Download and use our Aetna International mobile app — search “Aetna International” in the App Store or on Google Play
- Contact Member Services using the number on your Nippon Life Benefits ID card
2. Mention you’re a Nippon Life Benefits member with Aetna International coverage when you schedule the appointment
3. Notify us by requesting a Guarantee of Payment (GOP) — you can submit your request online or by calling Member Services using the number on your Nippon Life Benefits ID card
4. Show your Nippon Life Benefits member ID card when you go to your appointment to avoid upfront costs
International Care Management
The Aetna International Care Management program gives you have access to global health and well-being support however and whenever you need it. A highly specialized, clinical care management team is here to help you with clinical precertification and pre-trip planning, acute and chronic care management, health coaching, and mental and emotional support.
They can also help you find the right doctor, understand a diagnosis or treatment option, or put together a health and well-being action plan. It’s personalized, global care management that’s included in your health benefits. So, you can focus on what’s really important — your well-being.
Your multilingual care management team includes:
- Case manager — Your single point of contact and care coordinator
- Utilization manager — Helps ensure the right care at the right cost
- Behavioral health coach — Support for mental and emotional well-being
- Health coach — A guide for personalized health transformation
- Specialty care advocate — Assists when a specialist is needed
Get started
Contact Member Services,
24/7 or request a call from us by logging in to
your member website at AetnaInternational.com
— be sure to register if you haven’t already.
Submitting claims
You can avoid having to pay a claim by seeing a provider in the Aetna International direct settlement network. But if you need to see a provider without a direct pay agreement, Aetna International can help with your claim processing and offers:
- Access to claim resolution experts
- Translation services available in-house
- Reimbursement methods of Electronic Funds Transfer (EFT), wire and check
- Reimbursements in 126 currencies across 242 countries and territories worldwide
- Reimbursement directly to any bank account, except for in sanctioned countries
- No charge for wire processing fees
Get reimbursed faster
Once you’re enrolled and registered on your Aetna International member website, you can submit and track claims online at AetnaInternational.com or on the Aetna International app. You can also submit claims by fax or mail:
Fax
Out of U.S. toll-free: 800-475-8751
Inside the U.S.: 859-425-3363
Mail
Aetna International / Aetna
P.O. Box 981543
El Paso, TX 79998-1543, USA
Here’s a helpful guide on how to submit and track your claims
To schedule service
Onboarding materials
Benefits overview guide
How to register on the Aetna International website
Claim submission and tracking guide
Contact Aetna International
By phone:
1-800-231-7729 (Toll-Free from virtually anywhere in the world)
1-813-775-0190 (Direct dial and collect from outside U.S.)
1418904-06-02 (8/23)
Plans and programs are underwritten or administered by Aetna Life & Casualty (Bermuda) Ltd. or Aetna Life Insurance Company (Aetna).
Aetna does not provide care or guarantee access to health services. Not all health services are covered, and coverage is subject to applicable laws and regulations, including economic and trade sanctions. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a health care professional. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Information is believed to be accurate as of the production date; however, it is subject to change. Refer to AetnaInternational.com for more information.
