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Custom Plans
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.
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.
Indemnity
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.
Aetna Ascent®
Our Aetna Ascent® plans are designed for groups of 2 – 10 expatriate employees. Each plan offers comprehensive, global health care coverage and innovative wellness programs that go wherever your employees go.
There are a variety of Aetna Ascent plans from which to choose. Each plan includes:
- Preferred Provider Organization (PPO) medical coverage
- Pharmacy
- Vision
- Optional dental with optional orthodontia
- Emergency assistance services
- Mental health counseling and resources through our Employee Assistance Program (EAP)
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.
WorldTraveler
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 assistance services and translation services. Both plans feature streamlined quoting, implementation and administration processes for employers, and provide extra peace of mind for employees.
Programs included in both WorldTraveler plans:
- Indemnity Medical
- Prescription Drug
- Dental (Accidental Injury)
- Emergency Assistance Services
Optional programs:
- Dependent coverage
- Sojourn coverage*