2018-2019 Open Enrollment for PSC (USAID) – Contracted Employees Living Worldwide; Medical, Dental, Life Insurance, Long Term Disability, Air Evacuation, Short Term Medical Cover

Global Medical Insurance for Those Who Live Abroad

Medical Plan Options for Overseas Workers

Overseas Medical Insurance Product Update for Individual & Families of USPSCs and Non-USPSCs Employees, 2018-2019:

Offshore Health Benefits now offers a Long Term Disability Plan for those living and working abroad.  In addition, we offer Global Medical Insurance to those living and working abroad.  We offer Individual & Family Global Medical Insurance (includes air ambulance), Life & AD&D ($100,000 max), and Travel Insurance. The WEA Signature annual premiums are being offered at a fraction of the cost of Aetna International & Cigna International (30-60% lower in annual premium).  This will result in lower out of pocket cost for dependents, saving thousands in many cases.  All of the represented WEA plans are back by Lloyd’s of London and Offshore Health Benefits is here to help at no charge. Please send all questions to offshorehealthbenefits@gmail.com. We can arrange for a call over Skype or Direct. 

*Please note that the only Benefit Change in 2018-19 is that an Emergency Medical Evacuation Insurance is NO LONGER REQUIRED by any USPSC contracted employees. The State Department will take care of all of these services (contact Andrew Hall for more information at ahall@usaid.gov). All of our global medical plans do have Emergency Medical Evacuation which can not be carved out. The State Department’s Plan would be primary in case of an emergency.

Eligible PSC’s and non-PSC may enroll in the WEA International Medical Plan with USA PPO (United Healthcare) through Offshore Health Benefits at any time in 2018 & 2019. There is no charge to assist you. The WEA Signature Medical Plan options include Global Medical, Air Ambulance, Dental (Elite Plan only) and Life-AD&D (up to $100,000 per employee with acceptance of the Global Medical plan). We have listed the Signature Plan benefits and rates below and encourage all interested employees to set up a Skype call to discuss options.


Products at a Glance:

WEA Signature Global Medical Insurance (we recommend the WEA Elite Plan)

WEA Signature – Comparison of Plans 2018-19

WEA Rates Including the USA & Worldwide Sept 2018

WEA Rates 2018-19 Excluding the USA

WEA Global Medical application (apply here): Online WEA Application

*please contact our office prior before or after application has been submitted, we will place your application on fast track.


International Long Term Disability (sold with or without medical plan, contact us for a quote)

Premier Disability Plus Through Offshore Health Benefits 2018-19


Life Insurance & AD&D (offered only with medical plan and approval, contact us for a quote)

WEA 2018 Life Insurance Rider


Travel Insurance (offered only with medical plan and approval, contact us for a quote)

WEA Travel_Assistance 2018-2019


Global Medical Insurance for Key Locals Around the World

Premier Health Brochure (locals or non-expats) 2018-2019



Contact information:

OffshoreHealthBenefits.com / Skype: Offshore Health Benefits

USA Tel. 512-296-4976/ offshorehealthbenefits@gmail.com

We are offering up to $100,000 of  Life and AD&D insurance along with the Medical coverage. The Life / AD&D benefits can only be offered along with an approved medical plan. Life Insurance is not offered by Aetna International. Annual Rates are substantially lower than Aetna International & Cigna International, saving you premium dollars every year.

We are offering the Signature Series CARE, SELECT and ELITE plan options for you and your family to consider. The Elite Plan with a $500-$1000 annual deductible is very popular. The Medical underwriting process is fair and happens quickly in most cases. Medical notes may be required. The main requirement is that the plan start date must be the day a member departs the States or their home country.  If the member is presently abroad or outside of the USA at the start date, then all is satisfied. 

The member would simply use their overseas address and pinpoint a start date of the 1st or 15th of the month in the application.  We encourage all to apply online through the link below.  The site is safe and protected. Use of an embassy or consulate street address is sufficient to meet this Non USA requirement, we can always update the system with longer term global address at a late time. Participants can use a U.S. address, including DPO/APO address, for credit card payments. Member kits and cards will be sent via e-mail only. A member must have a Non – USA address and live outside of the States for at least 6 months out of the year. The rates are annual not monthly and we highly recommend the ELITE plan with Dental.  We have sold thousands of the WEA plans since 2014 and perform audits annually. We give the company and plan options ranking of 93.5%.

WEA Global Medical Application (apply here): Online WEA Application

The WEA plan is offered through Offshore Health Benefits and the contract is written through Lloyd’s of London via the PA Group and member.  Offshore Health Benefits has served thousands of Expatriates and their families since 2002.

Through United Healthcare, the plan offers a vast USA PPO national network, prescriptions at most pharmacies, Med-Evac coverage, etc. If you have questions, it is best to consult with our office prior to purchasing the plan.  We are glad to set up a time to discuss the plan benefits at no charge (Skype of Tele). We do not recommend the CARE plan due to low reimbursement levels for Inpatient and Emergency Care in the States. In addition to 100% Global Coverage (90% to first $5,000 in the USA), Maternity Coverage, and the US Healthcare PPO Network in the States,  the Elite plan offers a dental &Vision plan, therefore we recommend this at as a “top pick.”

IMPORTANT: USAID (the employer) provides reimbursement of 72% of health insurance premiums, up $7,266 per year for individuals and up to $20,399 for families. (There’s no separate cap for just employee + spouse.) In addition, USAID provides reimbursement of 50% of life insurance premiums, up to $500 per year.

*the posted rates below do not reflect the Employer paid portion. Simply deduct accordingly or contact our office for exact figures


WEA Global Medical Plan – Long Term Coverage (CARE/SELECT/ELITE):

Long Term Medical Coverage is for those employees who live outside of their home country for at least 12 months and need a renewable health plan which offers a guaranteed renewal to age 74 and access to healthcare back in their home county, like the USA. The WEA Elite plan is very often a perfect fit and offers Life Insurance, Dental and Air -Evacuation. 

Signature Series:

WEA Signature Series – Conditions Overview Sept 2018-2019


WEA Rates Including the USA & Worldwide Sept 2018-2019

WEA Life Insurance with AD&D (can choose up to $100,000 for Employee only, medical cover is required):

WEA 2018-2019 Life Insurance Option

WEA Travel Assistant Rider: (important add on for lost luggage, trip assistance, legal representation, etc)

Travel Assistance – WEA 2018-2019

WEA Global Medical Application (apply here): Online WEA Application

Frequently Asked Questions

Filing a Claim Online

Expat Resources



Short Term Coverage

HCC Short Term Medical & Travel Coverage is an option for those who need coverage for a period from 5 days to 12 months. The HCC Atlas plan offers benefits and services which provides affordable protection to meet your health insurance and Medical Evacuation when you are not eligible for a 12 month term renewable plan or simply need to be covered for trips.

HCC Atlas Multi-Trip (travel to more than one country)

HCC Atlas Plan  (travel to one country)

HCC ATLAS -Link to Apply: HCC Atlas Short Term Medical Link to Apply



More Information on the WEA  Signature Series:

WEA Providers in the United States (PPO United Healthcare)
Our network of providers in the United States is managed by UnitedHealthcare, which
is a division of UnitedHealth Group, the largest most diversified health care company in
the United States. For 5 consecutive years, UnitedHealthcare has been recognized as the
top ranking company in the insurance and managed care sector by Fortune’s “World’s
Most Admired Companies” list. With a total workforce of more than 190,000 people
worldwide, UnitedHealth Group serves people residing in all 50 states within the United
States and in more than 125 countries. UnitedHealthcare’s U.S. network includes 595,000
physicians and other health care professionals, and over 4,900 hospitals. In addition,
their pharmaceutical management programs provide affordable access to medications
for more than 13 million people worldwide.

WEA International Providers
When receiving treatment while outside the U.S., you can choose the Medical Facility or
Specialist that best fits your needs. Lyncpay, our third-party administrator, is continuously working towards growing our network of Preferred Providers. Contracting the best medical providers around the world to establish a top-notch network of hospitals and doctors that offer our WEA clients exclusive coverage and benefits. To get the latest list of preferred providers in your area, please send a request to providers@lyncpay.com (let them know that you are a client of Offshore Health Benefits) or contact our team.

Why the WEA Signature Plan?
WEA Signature Plan is designed for individuals and families of all nationalities living outside their country of citizenship, offering:
Three different plan options: Care, Select and Elite (with 5 deductible choices)

Free coverage for your first two dependent children under 10 years of age when applying as a family, if both parents are included under the same policy
Plus, optional riders to help you create a plan that meets your particular needs:
Maternity Care offering coverage for complications of pregnancy and birth, with a $50,000 lifetime maximum (included in the Elite plan option).

Travel Assistance up to $10,000 coverage with deductible waived.

Life and Accidental Death & Dismemberment (AD&D) coverage
options starting at $10,000 up to $100,000

Advantages of WEA

Signature Plan
Comprehensive inpatient and outpatient benefits such as surgeries, cancer treatment,
durable medical equipment and air/ground ambulance

Online member portal to submit and monitor
your claims at your own convenience

Access to thousands of the best medical providers worldwide

Lifetime guaranteed renewability

Worldwide coverage / Customer service 24/7/365 / Flexible underwriting


Background – PA Group and the WEA “Signature” Series Medical Plan: Premier Assurance Group (PA) was founded by two former General Electric executives with a heart for people and a passion for helping others in preparing for the future and life’s most important events. From protecting our clients’ health with worldwide coverage to helping them achieve a successful financial future, PA Group creates financial security road maps for life’s most significant events. For over 18 years, PA Group has guided and protected our international clients with comprehensive health and wealth accumulation solutions.


  • An Investment Solutions Company has evolved into a Life, Health, and Investments company
  • PA Group Expatriate health expertise has been leveraged to now cover global citizens in over 195 countries through the PA Group Accident and Health Division
  • PA Group provides its clients access to renowned Worldwide Networks such as UnitedHealthcare and AXA
  • Today, the Company has clients in more than 195 Countries that rely on us for their worldwide medical coverage and/or investment and retirement solutions
  • Premier Assurance Group gained the distinction of becoming a Lloyd’s of London Coverholder


Background – Offshore Health Benefits, Ltd: Offshore Health Benefits, experts in expatriate health insurance, is an experienced international medical insurance consulting firm advising expatriates, third country nationals, and locals with international medical products and services. Offshore Health Benefit’s consulting team works with individuals, families, small and large businesses, associations and governments throughout the woirld. We are a solution-based organization with over 15 years of international insurance planning experience offering a comprehensive line of international insurance products designed to fit the needs of the global business, citizen and traveler. Simply put, we work with everyone throughout the world, since 2002.  Affordable annual premiums and timely claim reimbursement are the most important factors. Email our group today for Skype consultation, we will make joining easy. offshorehealthbenefits@gmail.com. Or call our USA tele: 512-296-4976.


WEA Member Testimonials:

“I have received the payment. Thanks a lot, I really appreciated your help and compassion during the process. I wish all the customer representatives at other companies we are dealing with every day would do the same great jobs like you did. Wishing you all the best and happiness in your life.”

Claudio –Member, WEA


“Greetings from the jungles & beaches of Panama! […] Just wanted to send out an extra Thank You for all your help over the last months. You were the voice of reason & clarity. You were well-organized, professional, kind and clear. You go above and beyond. Great at your job. That makes a big difference for me and your other clients. Thank you.”

Bennison –Member, PA Group

“Me encontraba de vacaciones en Miami. Me dio un dolor en el pecho. Resultó ser un problema del higado. Personal atento en la clínica Mercy aceptaron el seguro sin pregutar nada, con sólo enseñar la tarjeta. Gracias a Dios todo salió bien. El servicio de PA Group es excelente, me llamaban a cada rato. Gracias a mi corredor Antonio Awak que estuvo siempre pendiente. ¡La verdad 0 quejas!”.

Nelson Omaña – Member, PA Group


Contact information:

OffshoreHealthBenefits.com / Skype: Offshore Health Benefits

USA Tel. 512-296-4976/ offshorehealthbenefits@gmail.com




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