please note: the preceding summary contains highlights of the cigna international expatriate...

Please note: The preceding summary contains highlights of the CIGNA International Expatriate Benefits Program for Georgetown University. In the event of any discrepancies, the provisions and exclusions of the master contract will govern. Please refer to your plan booklet for specific terms of coverage, exclusions and limitations. Confidential, unpublished property of CIGNA. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © Copyright 2007 (CIGNA )

CIGNA INTERNATIONAL EXPATRIATE BENEFITS CIGNA INTERNATIONAL EXPATRIATE BENEFITS (CIEB)(CIEB)

Making A World of Difference to the Expatriates and Families of Georgetown University


Benefits Provided to You and Your Family

• Medical with Rx

• Evacuation/Repatriation Coverage

• Global portability

• No pre-existing or diagnostic exclusions

• US and state compliant-based plans• HIPAA• ERISA

• Compliance in Middle East markets (Abu Dhabi and Saudi Arabia)


Benefits – Medical with Rx

Global Plan Middle East (in-network)

Lifetime Maximum US$ - Unlimited US$- Unlimited

Deductible $0 $0

Out-of-Pocket Maximum Individual - $2,000Family - $4,000

Individual - $2,000Family - $4,000

In-patient Facility 80% 100%

In-patient Physician Svc. 80% 100%

Out-patient Facility 80% 100%

Out-patient Physician Svc.

80% 100%

Prescription Drugs 80% 100%

Mental Illness & Substance Abuse

Inpatient: 80%, 30 days/per annumOutpatient: 80%, 30 visits/per annum

Inpatient: 80%, 30 days/per annumOutpatient: 80%, 30 visits/per annum


Benefits – Medical with Rx

Global Plan Middle East (in-network)

Home Healthcare/Visiting Nurse

80%; 120 visits per annum 100%; No limits

Child & Adult Preventive Care

100%; Limit - $350 per annum up to age 2, $125 per annum up to age 18. $250 per annum age 18 and over

100%; No limits

Chiropractic 80%; 20 Days per annum 100%; No limits

All Other Medical Services

80%; Internal limits may apply as per your benefit plan

100%; No limits


Key Services of CIGNA International

Customer Service Center:

• Middle East Service Center – Direct Access to CIEB’s Middle East Service Center operated in association with Saudi Arabian Insurance Company : 24 hours/ 7 Days a week

• Local Phone and fax numbers from 6 Gulf States (UAE, KSA, Kuwait, Bahrain, Qatar, Oman)

• CIEB International Service Center - Direct Access to Carrier 24 hours/7 Days a week

• Toll-Free International 800 telephone and fax numbers through AT&T Direct

• Collect Calls routinely accepted

• Emergency Services -24/7 Coordination and Referrals, Evacuations and Repatriation


Middle East Service Center

KSA UAE Kuwait

Telephone: +966-1-215-0634 +971-4-295-8852 +965-2-475-497

Fax: +966-1-460-1881 +971-4-295-5231 +965-2-475-498

Qatar Bahrain Oman

Telephone: +966-1-215-0634 +971-4-295-8852 +968-247-02093

Fax: +966-1-460-1881 +971-4-295-5231 +968-247-02094

Mail Delivery: Saudi Arabian Insurance Co. B.S.C.P.O. Box 29391Riyadh 11457, Kingdom of Saudi Arabia

Email: [email protected]

How To Contact CIGNA International...



How To Contact CIGNA International...

CIEB International Service Center

Telephone: 302.797.3100 (Collect Calls Accepted)

800.441.2668 (international calls, use AT&T’s country access code)

Toll-Free Fax: 800.243.6998 (international calls, use AT&T’s country access code)

Direct Fax: 302.797.3150

Mail Delivery: CIGNA International Expatriate Benefits

P.O. Box 15050

Wilmington, DE 19850-5050 USA

Courier: CIGNA International Expatriate Benefits

590 Naamans Road

Claymont, DE 19703

Internet: www.cigna.com/expatriates




Accessing Care / Claim Processing:

• Middle East in-network

• In-network

• Present local CIEB/SAICO card

• Pay any patient liability

• No Claim filing

• Over 350 providers

• Saudi Arabia – 240

• UAE – 120

• Kuwait – 10

• Bahrain – 7

• Qatar – 25

• Oman - 12




• Middle East out-of-network / Outside of Middle East Region

• Utilize global CIEB card

• Option 1: Guarantee of Payment with Direct Payment arrangements globally to hospitals and other providers

• Provider or member initiates call to the CIEB International Call Center

• If the provider is willing, a GOP will be set-up for services

• Member pays member liability

• Provider bills CIEB directly for guaranteed balance

InternationalIIN 600428 Control 02160000

Account 3156536Issuer (80840)

ID Number: 123456789 02 Employee: John DoePolicy No:Employer:Dependent: Jamie DoeDivision:RXPDOC Website: www.cigna.com/expatriates

All benefits are subject to verification of eligibility, definitions, exclusions and contract limitations. Card possession does not certify eligibility of benefits.

US PHARMACIES: 800.522.7487 FOR TRANSMISSION QUESTIONS

Fax Claims to: 302.797.3150 or AT&T access code +800.243.6998

US Provider: Electronic claims Payor ID#62308

Courier: 590 Naamans Road

Claymont, DE 19703-2308 USA

Mail Claims to: CIGNA International

P.O. Box 15050, Wilmington, DE 19850-5050 USA

Customer Service: 302.797.3100 or 800.441.2668

International PHCS MD Plan

Preferred Care Network in the US:

Phone: 302.797.3100 800.441.2668 Fax: 302.797.3150

800.243.6998 Collect calls accepted. For international toll free, use AT&T Direct access




• Middle East out-of-network / Outside of Middle East Region • Option 2: Member pays at point of care and

submit claim for reimbursement• Multi-lingual claim forms available on-line• Quality Service - 90% of claims reimbursed

within 10 business days with 98% accuracy regardless of language or currency.

• Experience with Wire Transfers• U.S. bank accounts• International wire transfer

• Claim Reimbursement in more than 100 currencies

• Claim and language translation services

InternationalIIN 600428 Control 02160000

Account 3156536Issuer (80840)

ID Number: 123456789 02 Employee: John DoePolicy No:Employer:Dependent: Jamie DoeDivision:RXPDOC Website: www.cigna.com/expatriates

All benefits are subject to verification of eligibility, definitions, exclusions and contract limitations. Card possession does not certify eligibility of benefits.

US PHARMACIES: 800.522.7487 FOR TRANSMISSION QUESTIONS

Fax Claims to: 302.797.3150 or AT&T access code +800.243.6998

US Provider: Electronic claims Payor ID#62308

Courier: 590 Naamans Road

Claymont, DE 19703-2308 USA

Mail Claims to: CIGNA International

P.O. Box 15050, Wilmington, DE 19850-5050 USA

Customer Service: 302.797.3100 or 800.441.2668

International PHCS MD Plan

Preferred Care Network in the US:

Phone: 302.797.3100 800.441.2668 Fax: 302.797.3150

800.243.6998 Collect calls accepted. For international toll free, use AT&T Direct access


Other Services:

• Internet capabilities and secured member website: www.cigna.com/expatriate

• Assistance before you go

• Cultural/regional norms for care

• Provider Directories

• CIGNALinks Provider Directories

• Global Provider Directory

• US Provider Directory



Not Registered…

Register for a PIN/Password online:

1. Go to: www.cigna.com/expatriates

2. Click on “Login” in the “Members” box

3. Click on “Register Now!” and have your CIEB Member ID and Policy Number handy (located on the front of your ID card).

Secured Member Website


Not Registered…

4. Fill out the fields on this screen and refer to your ID card for the “CIGNA International Identification Number” and “Policy Number”.

5. Click on “Submit”6. You will immediately get a

temporary PIN/Password. When you use this for the first time, you will be prompted to create a new PIN/Password of your choice.




You can view…

• About You

• Who’s Covered

• Your Benefits

• Your Claim

• Your Password


Global Provider Directory

1. Click on “Provider Directories”

2. Click on “International”

3. Click on “Medical Providers”

4. Next click on the appropriate directory.

Finding Middle East In-network Providers



Finding Middle East In-network Providers



Finding Providers outside the Middle East


2. Click on “International”

3. Click on “Medical Providers”

4. Select the link “Select Global Networks” in the second paragraph.

5. Select a country from the drop down by clicking on the down arrow


• Hospital/Clinic

• General Family Practice

• Obstetrics/Gynecology

• Dentist


Finding Providers outside the Middle East



Finding Providers in the United States 1.

2.

3.

4.


2. Click on “United States & Puerto Rico”

3. Complete the information you are aware of on the following two screens.

4. Click ‘Continue’ and a provider listing will appear according to the criteria you provided.


Questions?

please note: the preceding summary contains highlights of the cigna international expatriate...

Documents

cigna benefits medical

unpublished property

plan booklet

specific terms of coverage

preceding summary

master contract

limits slide

diagnostic exclusions