Coverage

The IARC Medical Plan is designed to provide services to both actively employed and retired participants from the Centers. Plan benefits for bridging and retired participants are not the same. Retired participants are not eligible for emergency medical evacuation and dental coverage. Please refer to the respective medical plan brochures for eligibility requirements and plan benefits.

Actively Employed Participants

For actively employed participants, the medical plan covers expenses for a range of health care services and supplies including medical, vision, prescription drugs and dental care. To learn about active employee coverage eligibility requirements, coverage period and enrollment procedure in the plan, click here.

Bridging or Retired Participants

If you are retiring or ending your employment as a long term employee from your Center, your medical insurance coverage will continue for a period of 25 days (the grace period) beginning on the first day after your have ended your employment. You may be eligible to continue your coverage under the bridging or retiree medical option. To learn about bridging or retiree coverage eligibility requirements, coverage period and enrollment procedure in the plan, click here.

 International Plan

This section applies only to active employees of Centers and retirees paying international rates (non-U.S. rates).

For health care received outside the United States, the Plan generally pays 90% of your expenses after you satisfy the annual deductible. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of covered expenses for all providers outside of the United States, your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers have direct billing arrangements with Cigna, which minimizes your paperwork. Log in to your Cigna personal webpage to find Cigna network providers.

For health care received in the United States, the limit on your out-of-pocket expenses is higher. However, the Plan pays a higher percentage of your U.S. expenses if you use the providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP network providers have agreed to discounted fees, so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. Click here to find Cigna OAP providers.

To learn about Plan's co-insurance, deductibles, out-of-pocket expenses for active employees and retirees paying international rates (non-U.S. rates), please refer to the Medical Plan Care Summary Table (for those paying non-U.S. rates) in the IARC Medical Plan Brochure.

 U.S. Plan

This section applies only to active employees of Centers and retirees paying U.S. rates.

For health care received in the United States, the Plan pays a greater portion of your expenses if you use providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP providers have agreed to discounted fees so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. Click here to find Cigna OAP providers.

For health care received outside the United States, the limit on your out-of-pocket expenses is lower. You can minimize your costs for health care received outside the U.S. by using providers in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of most medical expenses outside of the U.S., your portion of costs will be lower by using providers in Cigna’s network. Network providers have direct billing arrangements with Cigna to minimize your paperwork. Log in to your Cigna personal webpage to find Cigna network providers.

To learn about Plan's co-insurance, deductibles, out-of-pocket expenses for active employees and retirees paying U.S. rates, please refer to the Medical Plan Care Summary Table (for those paying U.S. rates) in the IARC Medical Plan Brochure.

 Frequently Asked Questions

This section provides you with answers to the most frequently asked questions about the IARC Medical Plan. Please refer to the IARC Medical Plan Brochure which provides information about the eligibility requirements, deductibles, coinsurance, and maximums for care received outside and inside the United States.

How long does it take to receive my plastic medical insurance card?
One you are enrolled in the medical plan, you will receive your plastic insurance cards in approximately 30 days. These plastic cards are sent directly to the Human Resources department at your Center for distribution. However, you can download an electronic copy of the plastic card for you and your dependents by creating and logging in to your Cigna Personal Webpage account. For more information, please refer to the Cigna Personal Webpage Instructions

Will each dependent have an ID card in his or her name?
Yes, after you are enrolled in the IARC Medical Plan, Cigna will provide a personalized Cigna ID card (which includes medical, dental, and prescription drug plan information) for you and for each of your covered dependents. Please note that Cigna partners with Cigna Healthcare (Cigna) for medical services provided in the United States.

What are the premiums (costs) of this Plan?
The premium information is available from Human Resources department at your Center.

How does my medical plan work if I am receiving care outside of the United States?
For care received outside of the United States, the Plan pays 90% of your expenses after you satisfy the annual deductible. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated attractive fees with these providers. Although the Plan pays 90% of covered expenses for all providers outside of the United States, your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers have direct billing arrangements with Cigna, which minimizes your paperwork.

What is a deductible?
The deductible amount is that portion of a covered medical expense that the participant must pay before the coinsurance rate is applied. For example, if a covered expense of $500 is submitted for payment to the Plan with a $200 deductible, the participant must pay the first $200 of covered expenses prior to the Plan paying for any expenses. The deductible must be met by the particapant once each calendar year.

What is coinsurance?
Coinsurance describes cost sharing between the participant and the Medical Plan. The Plan’s percentage of payment represents the benefit amount that the Plan pays. For example, after the deductible has been met, the Plan would pay 90% of the charges and the participant (an employee of a Center) would pay 10% of the charges.

How can I find a doctor or hospital?
You can find a list of healthcare providers, outside of the United States, through your Cigna personal webpage. To find a healthcare provider in the United States, please use the OAP in-network providers.

Why should I use a doctor in the list of network providers?
You should use a provider in the network to save time and money. You can minimize your out-of-pocket medical costs by using providers that are in Cigna’s network outside the United States and Cigna’s OAP network in the United States. Network providers in and out of the United States submit claims for expenses directly to Cigna, eliminating paperwork for you.


The IARC Insurance Plan offers the following medical, vaccinations, vision and dental preventative care benefit that are covered at 100% (no co-insurance) with no deductible, per individual, per calendar year.

Medical Exams

  • One routine physical exam up to per calendar year per adult and per child age 2 through 18
  • One women’s gynecological exam, pap smear and related lab work per calendar year
  • Well-baby physical exams including immunizations — up to 6 exams in the 1st year and 2 exams in the 2nd year, with no annual maximum limit

Dental

  • Oral exams: 2 per year​
  • Cleanings: 2 per year​
  • Fluoride application: 1 per year – children only​
  • Dental sealants on permanent molars: 1 every 3 years - children only​
  • Bitewings: 1 set per year​
  • Full mouth x-rays: 1 set every 3 years

Vision

  • One vision exam

Vaccinations

  • Cholera vaccinations
  • Combination vaccinations that prevents measles, mumps and rubella
  • DI-TE-PER vaccinations that prevents diphtheria, tetanus and pertussis (whooping cough)
  • Haemophilus influenza type B (Hib) that prevents meningitis, pneumonia and epiglottitis
  • Hepatitis A, Hepatitis B and Hepatitis E vaccinations
  • HPV vaccinations that prevents infection by human papillomavirus which leads to cervical, anal, vaginal and mouth cancer
  • Influenza vaccinations (seasonal flu shots)
  • Japanese encephalitis vaccinations
  • Malaria prophylaxis vaccinations
  • Meningococcal disease vaccinations that prevents types A, C, W-135 and Y
  • Pneumococcal vaccinations that prevents pneumonia, meningitis and sepsis
  • Polio vaccinations given as an injection (IPV) or orally (OPV)
  • Rabies vaccinations
  • Rotavirus vaccinations that prevents severe diarrhea
  • Tick-borne encephalitis vaccinations
  • Typhoid fever vaccinations
  • Varicella vaccinations that prevents chicken pox
  • Yellow fever vaccinations