Medical

The AIARC Medical Plan is a comprehensive healthcare plan that includes medical, dental, vision, prescription drugs, global telehealth, and an international employee assistance program (IEAP). Note: Retired participants are not eligible for emergency medical evacuation services. For more information about eligibility, coverages, deductibles, and coinsurance, refer to Actively Employed Participants.

International Plan (Europe and Other Category)

The following table provides the basic medical plan design for active and retired participants enrolled in the International Plan whose Center is paying an international premium rate (non-U.S. premium rate) to AIARC.

Please note that there is no Annual Deductible for Active Employees enrolled in the International–Other Categories while receiving care outside the U.S. and Europe.

Plan Features	Care Received Outside the U.S.	Care Received within the U.S. – Cigna Open Access Plan
Plan Features	Care Received Outside the U.S.	In-Network	Out-of-Network
	You pay:	You pay:	You pay:
Annual Deductible* Individual/Family	$200 / $400	$400 / $800	$600 / $1,200
Coinsurance	10% after deductible	20% after deductible	40% after deductible
Annual Out-of-Pocket Maximum Individual/Family	$1,000/ $2,000	$3,500/ $7,000	$7,500 / $15,000
Preventive Care Visit	Covered in full	Covered in full
Telemedicine/Virtual Visit	Covered in full	Covered in full
Hospital Deductible	$0	$0	$500/admission

For health care received outside the United States, the Plan generally pays 90% of your covered expenses after you satisfy the Annual Deductible. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of covered expenses for all providers outside of the U.S., your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers often have direct-billing arrangements with Cigna, which minimizes your paperwork.

For health care received in the United States, the limit on your annual deductible and out-of-pocket maximum expenses is higher. However, the Plan pays a higher percentage of your U.S. expenses if you use the providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP network providers have agreed to discounted fees, so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct-billing arrangements with Cigna, which facilitates the claims process.

*There is no annual deductible for active employees enrolled in the International-Other Category when receiving care outside the U.S. and Europe.

U.S. Plan

The following table provides the basic medical plan design for active and retired participants enrolled in the U.S. Plan whose Center is paying a U.S. premium rate to AIARC.

Plan Features	Care Received within the U.S. – Cigna Open Access Plan		Care Received Outside the U.S.
Plan Features	In-Network	Out-of-Network	Care Received Outside the U.S.
	You pay:	You pay:	You pay:
Annual Deductible Individual/Family	$400 / $800	$600 / $1,200	$200 / $400
Annual Out-of-Pocket Maximum Individual/Family	$3,500 / $7,000	$7,500 / $15,000	$1,000 / $2,000
Coinsurance	10% after deductible	30% after deductible	10% after deductible
Preventive Care Visit	Covered in full		Covered in full
Telemedicine/Virtual Visit	Covered in full		Covered in full
Hospital Deductible	$0	$500/admission	$0

For health care received in the United States, the Plan pays a greater portion of your expenses if you use providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP providers have agreed to discounted fees, so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct-billing arrangements with Cigna, which facilitates the claims process.

For health care received outside the United States, the limit on your out-of-pocket expenses is lower. You can minimize your costs for health care received outside the U.S. by using providers in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of most medical expenses outside of the U.S., your portion of costs will be lower by using providers in Cigna’s network. Network providers have direct-billing arrangements with Cigna to minimize your paperwork.

Frequently Asked Questions

This section provides you with answers to the most frequently asked questions about the AIARC Medical Plan. Please refer to the respective section of the AIARC Benefits Hub for more information about the eligibility requirements, deductibles, coinsurance, and maximums for care received outside and inside the United States.

What is an Employment Classification and why is this important?

Benefits offered by a Center depend on your designated Employment Classification. You may not be eligible for all benefits or limited to coverage amounts. If you are uncertain to what benefits you are eligible for, contact the Human Resource department at your Center for your designated Employment Classification.

How does my medical plan work if I am receiving care outside of the United States?

For care received outside of the United States, the Plan pays 90% of your expenses after you satisfy the annual deductible. Please note that there is no Annual Deductible for Active Participants enrolled in the International–Other Category when receiving care outside of the U.S and Europe. The waiver of the annual deductibles does not apply to retirees. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated lower fees with these providers. Although the Plan pays 90% of covered expenses for all providers outside of the United States, your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers often have direct-billing arrangements with Cigna, which minimizes your paperwork.

What is a deductible?

The deductible amount is that portion of each year’s covered medical expenses that the participant must pay before the coinsurance rate is applied. For example, if a covered expense of $500 is submitted for payment to the Plan with a $200 deductible, the participant must pay the first $200 of covered expenses prior to the Plan paying for any expenses. The deductible must be met by the participant once each calendar year.

What is coinsurance?

Coinsurance describes cost sharing between the participant and the Medical Plan. The Plan’s percentage of payment represents the amount that the Plan pays. For example, if a covered expense of $500 is submitted to the Plan with a $200 deductible, the participant will pay the deductible and will pay 10% of $300 or $30.

How can I find a doctor or hospital?

You can find a list of healthcare providers outside of the United States, through your Cigna personal webpage. To find a healthcare provider in the United States, please use the OAP in-network providers.

Why should I use a doctor in the list of network providers?

You should use a provider in the network to save time and money. You can minimize your out-of-pocket medical costs by using providers that are in Cigna’s network outside the United States and Cigna’s OAP network in the United States. Network providers in and out of the United States submit claims for expenses directly to Cigna, eliminating paperwork for you.

Are there any limitations to the Plan?

Yes, refer to the IARC Medical Plan Explanations and Examples of Covered and Non-Covered Expenses in the AIARC Insurance Library under the Quick Links.

Quick Links

Find an In-Network Provider

Outside the U.S.:

Within the U.S.:

Email

For all Inquiries

Phone

Antwerp, Belgium — 24/7 Contact Center

Miami, US — 24/7 Contact Center

Kenya

Kenya — Toll Free

Questions?

If you are having trouble contacting a Cigna Customer Service Representative, you can request a free call back using Cigna’s Call Me Back Service from your Cigna Personal Webpage or Health Benefits App account.