Offshore Health Benefits: Overseas Medical Insurance Product Update for Individual & Families of PSC-USAID; WEA Select & Aetna International
Option #1 -The PA Group WEA Signature Series
WEA Signature Global Medical Plan – “Elite” Global Coverage with Access to the United Healthcare PPO Network in the USA (PSC-USAID Reimburses up to $7,266 per year for individuals and up to $20,399 for families), Medical, Dental, RX, Wellness, Pregnancy, and More
WEA Global Medical application (apply here): Online WEA Application
Other WEA Products:
WEA Life Insurance Plan – offers up to $100,000 in life insurance as an option (must be enrolled in the WEA Select Global Plan to Qualify) – PSC USAID reimburses up to $500 a year
International Long Term Disability– sold as a Stand Alone Plan (Employee may chose up to $100,000 of coverage) – PSC USAID does not reimburse for this benefit
Option #2 – Aetna International MHP for Expatriates
Aetna International “MHP” – Global Medical Coverage with Access to the USA Aetna PPO Network & Extensive Global Network (No Life Insurance or LTD Offered with Aetna International), Medical, Dental, RX, Wellness, Pregnancy, and More
(PSC-USAID Reimburses up to $7,266 per year for individuals and up to $20,399 for families)
IMPORTANT: REIMBURSEMENT FOR BENEFITS BY USAID
PSC-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
2018 Benefit Change: Emergency Evacuation Benefit – No Longer Required
Please note that the only Benefit Change in 2018-19 is that an Emergency Medical Evacuation Insurance is NO LONGER REQUIRED by any PSC-USAID contracted employees. The State Department will take care of all of these services (contact Andrew Hall for more information at email@example.com). 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.
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. Please send all questions to firstname.lastname@example.org. We can arrange for a call over Skype or Direct.
Medical Coverage for Key Locals (Coverage for Local Nationals and for Third Country Nationals is available, please contact our office for more information)
More on the WEA Signature Series:
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. USA
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.”
More on Aetna International – A Leader in Global Health Worldwide
Award-winning expatriate business provides health benefits to more than 800,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world.
Aetna International is one of the industry’s largest and most prominent international health benefits providers. By delivering comprehensive health benefits and population health management solutions worldwide, we are committed to helping create a stronger, healthier global community. With more than 160 years of experience in health care, we’ve specialized in international health benefits insurance for more than 55 years ― with a growing global footprint to reach wherever you travel. Our transformational efforts have been recognized with such prestigious awards as “Best International Private Health Insurance Provider” and “Health Insurer of the Year.
*Disclosure – OHB Owner, Robert Tillotson, worked for Aetna International from 1997-2002 and is very knowledgeable of Aetna International and the Global Network.
HCC – Short Term Medical & Emergency 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 -Link to Apply: HCC Atlas Short Term Medical Link to Apply
Offshore Health Benefits is here 7 days a week to help, simply contact us in the USA at telephone 512-296-4976, or send an email to email@example.com
Contact Us Today: click here
We are available on Skype at “Offshore Health Benefits”
Thank you for considering our product line, please visit OffshoreHealthBenefits.com for more information.
-Robert Tillotson, Global Consulting, Since 2002