FOR GROUPS OF 3 OR MORE PARTICIPANTS
WHY BUY AN
INTERNATIONAL GROUP BENEFIT PROGRAM?
A dependable and cost effective international group benefit program is a
necessity. Outside the
United States
, missionaries find their traditional group benefit programs to be
non-responsive, in benefits and in service, to the unique situations
facing them as they seek healthcare abroad.
Third country nationals and key local nationals find that their
home country social medical systems rarely extend beyond the country’s
borders, and the availability of medical facilities within those borders
may be extremely limited. As
international employers seek to compete in global markets, the challenge
of attracting and retaining qualified international employees can only
be met with a comprehensive international group benefit program.
IS MY
ORGANIZATION ELIGIBLE FOR THE A+ MESSENGER GROUP
SERIES?
If you are a US based mission organization with missionaries with 3 or
more missionaries serving overseas, then, your organization is eligible.
If your mission organization or church is based outside the
US
, and you have 3 or more employees or
missionaries, then your organization is eligible.
WHAT ARE THE UNDERWRITING REQUIREMENTS FOR
THE A+ MESSENGER SERIES?
If you have 10 or less international missionaries, a completed medical
questionnaire must be submitted and approved for each employee and
dependent to be covered. If
you have 11 or more international missionaries, a completed simplified
medical questionnaire must be submitted and approved for each missionary
or eligible employee (home staff) and dependent to be covered.
This requirement may be waived if you provide at least 3 years of
claims history on your international group, from your present or prior
insurer. At least 80% of
your international employees must participate in the insurance.
ARE ALL INTERNATIONAL EMPLOYEES AND THEIR
DEPENDENTS ELIGIBLE FOR INSURANCE UNDER THE A+ MESSENGER SERIES?
All active, full-time (30 hours per week or more) missionaries are
eligible, provided they reside and work outside the
US
. All Spouses and Dependent
children under the age of 19 (23 if full-time student) are eligible,
regardless of where they reside.
WHEN DOES COVERAGE BECOME EFFECTIVE FOR MY
OVERSEAS MISSIONARIES, INTERNATIONAL EMPLOYEES AND THEIR DEPENDENTS?
For Missionaries, Employees and Dependents who were covered on the
day immediately preceding the Effective Date of the A+ Messenger plan,
coverage becomes effective immediately, provided they have satisfied the
Waiting Period selected by the employer.
For new Employees and Dependents added throughout the year,
coverage becomes effective on the first day of the month following the
Waiting Period selected by the employer, provided the appropriate
medical questionnaire has been submitted and approved within the first
30 days of employment.
WHEN DOES COVERAGE END?
Coverage ends on the date employment terminates, the date of the
employee’s retirement, the date the employee becomes eligible for a
US
group benefit plan, or twelve months following the employee’s return
to the
US
– whichever first occurs. Some
groups are required to extend COBRA benefits to terminating employees.
In these circumstances, the A+ Messenger Series provides for such
extension.
WHAT ARE THE BENEFITS OF THE A+
MESSENGER SERIES?
|
BENEFIT
|
LIMIT
|
|
Deductible
|
All Deductibles are Per Insured Person per
Calendar Year, with a
max
imum of 3 Deductibles per Family per Calendar Year.
Deductible options are:
$150, $250, $500, $1,000 or $2,500.
|
|
Coinsurance – Claims incurred in US or
Canada
|
After the Deductible, Underwriters will pay
80% of Eligible Medical Expenses up to $5,000, then 100% to the
Maximum Limit per Insured Person. The Coinsurance will be waived
if satisfied with expenses incurred within the Preferred Provider
Network.
|
|
Coinsurance – Claims incurred outside US or
Canada
|
After the Deductible, Underwriters will pay
100% of Eligible Medical Expenses up to the Maximum Limit per
Insured Person.
|
|
Maximum Limit
|
$1,000,000 Lifetime or $5,000,000 Lifetime
|
|
Outpatient Prescription Drugs
|
Option 1 – Usual, Reasonable and Customary
(Subject to Deductible and Coinsurance)
Option 2 - $7 Co-pay Rx card (including mail
order)
|
|
Inpatient Prescription Drugs
|
Usual, Reasonable and Customary (Subject to
Deductible and Coinsurance)
|
|
Mental or Nervous Disorders
|
$25,000 Lifetime Maximum after 12 months of
continuous coverage, subject to the following sub-limits:
Outpatient Treatment:
50% of a Maximum charge of $100 per visit with a Maximum of
52 visits per Calendar Year per Insured Person.
Inpatient Treatment:
Limited to $10,000 per Calendar Year per Insured Person.
|
|
Transplant Expense
|
Subject to Special Transplant
Pre-certification Requirements, and only when treatment is
provided within the PPO. Covered
Transplants are: Heart,
Heart/Lung, Lung, Kidney, Kidney/Pancreas, Liver and Allogeneic
and Autologous Bone Marrow.
|
|
Second Surgical Opinion
|
Subject to Deductible and Coinsurance unless
requested by Underwriters (payable at 100% if requested by
Underwriters)
|
|
Maternity and Newborn Care
|
Subject to Special Maternity
Pre-certification requirements, same as any other illness after 10
months of continuous coverage.
|
|
Hospital Room and Board
|
Average Semi-private, including nursing
service.
|
|
Intensive Care Unit
|
3 times the Average Semi-private room rate
|
|
Physical Therapy
|
$50 Maximum per visit charge.
|
|
Local Ambulance
|
$3,000 Maximum per Calendar Year
|
|
Wellness
|
Up to $150 per Calendar Year for a Routine
Physical Examination, including Pap Smear and Mammogram, after 24
months of continuous coverage, for Insured Persons age 35 and
older.
|
|
Emergency Medical Evacuation
|
Up to $25,000 Lifetime Maximum, for Insured
Persons under the age of 65.
|
|
Eligible Medical Expenses
|
Usual, Reasonable and Customary
|
WHAT ARE THE
PLAN FEATURES?
Pre-existing Conditions:
Pre-existing conditions are covered after 12 months of
continuous coverage under the A+ Messenger Series.
If the A+ Messenger Series is replacing another group
insurance plan, time insured under the prior plan may reduce the 12
month wait for coverage of Pre-existing Conditions.
Outpatient
Prescription Drug Card Option:
If you select this Option, each employee will receive a
Prescription Drug Card recognized by 98% of the pharmacy outlets in the
US
. There is a co-pay of $7 per prescription for Generic drugs, and $15
per prescription for Brand drugs, charged when the medication is
acquired.
Wellness:
For employees age 35 and older, the A+ Messenger Series
provides up to $150 for an annual routine physical exam, after 24 months
of continuous coverage. If
the A+ Messenger Series is replacing another group insurance plan
that also featured a Wellness benefit, time insured under the prior plan
may reduce the 24 month wait for the Wellness Benefit.
Maternity and Newborn Care:
Maternity expenses, including pre-natal care, delivery and
post-natal care, are covered on the same basis as any other Illness,
after 10 months of continuous coverage.
Newborns are covered from the moment of birth, provided the
delivery is covered, and provided the Newborn is properly enrolled
within the first 31 days of life. If
the A+ Messenger Series is replacing another group insurance plan,
time insured under the prior plan may reduce the 10 month wait for
Maternity and Newborn Care benefits.
Emergency
Medical Evacuation:
Emergency Medical Evacuation to the nearest medical facility
qualified to treat the life threatening condition is covered.
All Emergency Medical Evacuations must be approved in advance by
MultiNational Underwriters, Inc. MultiNational
Underwriters, Inc. is available 24 hours a day, 7 days a week, to
approve and coordinate Emergency Medical Evacuations.
Pre-Notification:
All Hospitalizations, certain Outpatient procedures,
Maternity, and Transplants must be Pre-notified.
Pre-notification is easy.
The patient or the Physician simply calls MultiNational
Underwriters, Inc. with all information about the medical condition.
For Maternity, Pre-notification must be done within the first 90
days of Pregnancy. All other
Pre-notifications must be done as soon as possible before the expense is
incurred, or within 48 hours in the event of an emergency.
If you do not Pre-notify, benefits will be significantly reduced,
and in the case of Transplants, benefits will be forfeited.
Preferred Provider
Organization:
You may choose any Physician or any Hospital.
If you are seeking treatment in the
US
, your co-insurance will be waived with respect to charges incurred in
the MultiNational PPO Network. Upon
request, MultiNational will provide you with a Provider Directory for
the area where you will be receiving treatment.
You can also access the Provider Directory via the Internet at www.multiplan.com.
Group
Term Life and AD&D
Insurance
:
For groups with 10 or fewer employees, group term life
insurance is required. For
larger groups, it is optional. You
can select life insurance amounts of $10,000, $25,000, $50,000 or a
multiple of salary, up to $100,000.
Higher life amounts are available, subject to special
underwriting requirements.
Other services provided by MultiNational Underwriters, Inc.
Hospital /
Physician Referral: MultiNational
Underwriters, Inc. maintains relationships with hospitals and physicians
throughout the world, and this network is growing daily.
If you need a referral, just contact MultiNational Underwriters,
Inc. and one of our
Customer Service
Representatives will assist you.
Patient
Advocacy Services: If
you are faced with a complex or severe medical condition, you will be
assigned to one of MultiNational’s Patient Advocates.
Your Patient Advocate is your personal assistant at MultiNational
Underwriters on all matters relating to your treatment and claim, with
the goal of securing the best possible care for you in a convenient and
cost effective setting.
General
Customer Service
s:
You’ve lost your ID card or your benefit booklet.
Or you have a question about your insurance.
Or, you have filed a claim and you want to know the status of
payment. These and many more
questions may arise from time to time.
MultiNational Underwriters, Inc.
Customer Service
Team is ready to respond. If
you do not speak English, your
Customer Service
Representative will arrange for a telephone translator to monitor your
call and assist in providing the answers you need.
WHO IS THE PLAN ADMINISTRATOR?
MultiNational Underwriters, Inc., headquartered in
Indianapolis
,
Indiana
, is a full service organization offering a comprehensive portfolio of
insurance products designed specifically to address the insurance needs
of the international community. With
over 40 years of experience in the international insurance market, the
staff of MultiNational Underwriters, Inc. is ready to serve you.
Our international claims specialists, medical professionals and
customer service representatives are available 24 hours a day, 7 days a
week to answer your questions and respond to your needs.
WHO IS THE INSURER?
Lloyd
’s, the largest and oldest insurance market in the world is the
insurer of the A+ Messenger Series.
Rated A by AM Best Company, and A+ by Standard and Poors,
Lloyd’s provides financial strength and security that is unparalleled
in the worldwide insurance market.
Lloyd
’s is recognized as a market leader in the accident and health
insurance arena, and is well known for its innovative products and
services. Literally millions
of people, in almost every country of the world, rely on
Lloyd
’s for their accident and health insurance needs.
HOW DO I OBTAIN A
GROUP PROPOSAL?
Just complete the Request for
Proposal form, including
census data, and forward, fax or e-mail it to Insurance Services of
America and we will provide you with a professionally prepared proposal.
Our service representatives are available to answer any
questions, or to assist you with presentation of the proposal to
potential buyers.
|
