The schedule of Benefits for group plans with 2 - 9 lives is standardized into a trust form. Groups that anticipate growth could be placed into a customized plan. Plans may be customized to meet US based Federal and State compliance. Non-US plans are also available. The Group Insurance coverage includes:
| |
-
Medical & Dental
-
Life Insurance
-
Long Term Disability
|
-
Accidental Death & Disability
-
Employee Assistant Programs
-
Evacuation & Repatriation
|
The trust plans do require evidence of insurability for the applicants during the initial underwriting period.
- The medical plans include prescription drug coverage and mental nervous/substance abuse coverage
- Dental plans can include Orthodontia
- Deductible and Co-Insurance plans are customized
The Service Center acts as "One Point of Contact," 24 hours a day, 365 days a year. Services vary depending on the clients' objectives; however, most plans have the following services:
- Referrals to doctors, dentists and hospitals
- Verification of eligibility, assistance accessing benefits
- Communication capabilities: Collect Calls, Tolls Free Calls and E-mail
- Direct payment arrangements
- Language assistance
- Medical assistance
- Claim reimbursement in over 100 currencies
- Portability
- US Healthcare Coordination
|
