"A+MULTINATIONAL SERIES"
AN
INTERNATIONAL GROUP BENEFIT PROGRAM
FOR
GROUPS OF 3 OR MORE PARTICIPANTS
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WHY BUY AN
INTERNATIONAL GROUP BENEFIT PROGRAM?
Whether you are a US based organization with employees
overseas, or a non-US organization employing expatriates, third country
nationals or key local nationals, a dependable and cost effective international
group benefit program is a necessity. Outside
the United States, American employees 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+MULTINATIONAL SERIES?
If you are a US based
organization with a subsidiary or division operating outside the US, with 3 or
more international employees, your organization is eligible.
If your organization is based outside the US, and you have 3 or more
employees, your organization is eligible.
WHAT ARE THE UNDERWRITING REQUIREMENTS FOR THE A+MULTINATIONAL SERIES?
If you have 10 or less international employees, a completed
medical questionnaire must be submitted and approved for each employee and
dependent to be covered. If you
have 11 or more international employees, a completed simplified medical
questionnaire must be submitted and approved for each employee 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+MULTINATIONAL SERIES?
All active, full-time (30 hours per week or more) employees
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 INTERNATIONAL EMPLOYEES AND THEIR DEPENDENTS?
For Employees and Dependents who were covered on the day
immediately preceding the Effective Date of the A+MultiNational 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+MultiNational Series provides for such
extension.
WHAT ARE THE
BENEFITS OF THE A+MULTINATIONAL SERIES?
|
BENEFIT |
LIMIT |
|
Deductible |
All Deductibles are Per Insured Person per Calendar Year, with a maximum 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+MultiNational Series. If the A+MultiNational Series is replacing another group
insurance plan, time insured under the prior plan will 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+MultiNational Series
provides up to $150 for an annual routine physical exam, after 24 months of
continuous coverage. If the
A+MultiNational Series is replacing another group insurance plan that also
featured a Wellness benefit, time insured under the prior plan will 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+MultiNational Series is replacing another group insurance plan,
time insured under the prior plan will 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-Certification:
All Hospitalizations, certain Outpatient procedures,
Maternity, and Transplants must be
Pre-certified. Pre-certification
is easy. The patient or the
Physician simply calls MultiNational Underwriters, Inc. with all information
about the medical condition. For
Maternity, Pre-certification must be done within the first 90 days of Pregnancy.
All other Pre-certifications 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-certify, 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
Services: 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?
The plan is insured through MNU, Lloyd’s Coverholder
HOW DO I OBTAIN A
PROPOSAL FROM MULTINATIONAL?
Just complete the A+MultiNational Request for Quote form,
including census data, and forward, fax or e-mail it to John K. Arnold.
Within 72 hours of receipt of a complete submission, we will provide you
with a professionally prepared proposal
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For more information please contact:
John K. Arnold
Managing General Agent
International Insurance Website www.insurance-network.com
E-Mail: John K. Arnold
Phone: 407-592-0311
Fax: 407-386-7053