国际保险事宜
要求提交
Medical claims incurred while traveling or living outside of the United States (if incurred when not actively at work*) should be submitted to 独立蓝十字/Keystone using the 国际索赔表.
Dental claims incurred while traveling or living outside of the United States should be submitted using the 台达牙科索偿表格. 达美航空确实要求将声明翻译成英文.
医疗保险
Emergency room claims are reimbursed the same internationally as in the U.S.
Non-emergency claims on the Personal Choice plans are processed at the out-of-network level unless a Blue Cross Blue Shield Global Core provider is used. 有关该网络的信息可通过以下途径获得 独立蓝十字.
Non-emergency claims on the Keystone POS plan are processed at the self-referred level. There is no international coverage beyond emergency and urgent care available on the Keystone HMO plan.
Please note that billing practices differ by country and it's possible that some charges included on the bill will not be covered by insurance.
牙科保险
The Delta Dental network does not extend outside of the United States and all care received outside of the United States will be processed at the out-of-network level.
旅游保险
而 在美国境外进行与大学相关的商务旅行.S., emergency medical expenses resulting from an accident or illness are covered by the College's Global Medical insurance policy. Medical evacuations and repatriation are components of the Global Medical insurance plan; routine medical care is not. 教师 and staff may purchase coverage under this policy for spouses or dependents who will be traveling on the same trip. 更多信息可在 与旅行有关的保险和问题页面.
处方
A prescription issued by a physician in the United States can only be filled in the United States. If you need a medication filled while visiting another country, you will need a prescription to be written by a physician in that country. 由美国以外的医生开具的处方.S. 在大学医疗计划下是不能报销的.
In order to have the prescriptions covered by a College medical plan, affected employees and dependents should have prescriptions filled before leaving the United States. In order to obtain a prescription beyond 30 days maximum that is applicable when filled in a pharmacy, 应该考虑邮购. This permits a 90-day supply to be obtained for maintenance medications.
处方 beyond 30 days (90 if mail order) can be filled by requesting a vacation override. This process is initiated by calling the Member Services number on the medical ID card at least two weeks in advance of the departure date. 人力资源 will need to send 独立蓝十字 a letter that indicates the individuals who will be out of the country, 访问的国家, 出发和返回日期, and the specific medications that need to be filled for more than the standard period.
Please note that this should not be done immediately before the trip in case the vacation override has not been processed. Also please note that certain controlled medications will require a letter from the prescriber stating approval of the early refill.
Keystone HMO和Keystone POS的居住要求
Both Keystone plans have an underwriting requirement that you are to disenroll from the plan if you will be living outside of the plan service area for 90 or more consecutive days. This is a life-qualifying event that permits a mid-year change in your medical coverage. Please note that this is based on the residency of the person with employee medical coverage. A dependent moving out of the plan service area does not constitute a life-qualifying event.
高免赔额健康计划覆盖考虑
You may be enrolled in the Personal Choice plans including the HDHP when living outside of the United States for more than 90 days. 然而, other than emergency room coverage and Blue Cross Blue Shield Global Core providers, coverage under the Personal Choice plans will be at the out-of-network level, 哪一种免赔额很高，共保额很低.
The regular Personal Choice PPO provides better out-of-network benefits than the HDHP. If you are enrolled in the Personal Choice HDHP and want to switch to the regular Personal Choice PPO, 您需要在开放注册期间这样做. There is no life-qualifying event based on a change of residency applicable to Personal Choice plans. 开放登记 occurs in September, for a November 1 effective date.
Health Savings Account (HSA) and Flexible Spending Account (FSA) Considerations
The FSA Medical Spending Account and the HSA associated with the HDHP can be used to reimburse qualified medical expenses incurred outside of the United States. The care must be considered legal in the country in which it was administered as well as in the U.S. 处方 are reimbursable as long as the medication is consumed while outside of the U.S. 在这两个国家都是合法的.
FSA Dependent Care expenses are reimbursable if the qualifying person (receiving the custodial care) is a U.S. 美国公民或国民或美国居民.S.美国、墨西哥或加拿大.
*Please note that claims incurred while actively at work are processed as Worker’s Compensation regardless of where the claim was incurred. 你应该联络 环境健康与安全办公室 所有与工作有关的索赔. You should not submit claims for work-related injuries to 独立蓝十字.