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
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
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 participant
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
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.
What if I have a planned treatment in a hospital?
If you have a planned treatment in a hospital, it is advantageous to request a Guarantee of Payment from Cigna in order to set up a direct payment arrangement with the healthcare provider. Additionally, a guarantee of payment will generally result in lower costs for your treatment. For more information, please refer to the Guarantee of Payment section.
What if I have an emergency hospitalization?
In case of an emergency hospitalization, please call Cigna as soon as possible to request a Guarantee of Payment. Cigna will attempt to arrange a direct payment with the hospital. It is recommended that you use Cigna in-network providers for emergency hospital admissions because a Guarantee of Payment will be easier and faster to obtain than for out-of-network providers. For out-of-network providers, you may have to pay the provider in full in advance and submit the claim to Cigna for reimbursement.
How is a direct payment arrangement made in the United States?
Direct billing is automatic with the Cigna in-network medical providers. For out-of-network providers, you may have to pay the provider in full in advance and submit the claim to Cigna for reimbursement.
How do I submit a claim to be reimbursed?
You can submit claims electronically or by postal mail. It is recommended that you submit claims electronically to avoid mailing delays and costs. For instructions on submitting claims, please refer to the claim procedure.
What is the last day for submitting a claim?
All qualifying claims (medical, vision, dental and prescription drugs) should be submitted within 90 days after the date of service. Please note that no payment will be made for any claim submitted later than one year after the date of service.
Can I submit claims in any language?
Cigna can administer claims in several languages — English, French, Dutch, German, Spanish, Italian, Portuguese, Danish, Greek and Turkish.
How are claim payments made? What currencies are available?
Payments can be made by check or wire transfer. Claim reimbursement will be made in US dollars, unless the claimant requests reimbursement in a different currency.
Please refer to the available currencies — Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Indian Rupee (INR), Euro (EUR), Kenyan Shilling (KES), Mexican Peso* (MXN), Norwegian Krone (NOK), Philippine Peso* (PHP), South African Rand (ZAR), Swedish Krona (SEK), Swiss Franc (CHF), Thai Baht (THB), Tunisian Dinar* (TND), Pound Sterling (GBP) and U.S. Dollar(USD). (*This currency is available for reimbursement by wire transfer only.)
What rate of exchange will be used?
Cigna uses the exchange rate from the United Nations Operational Rate of Exchange website. The rate is calculated based on the date of service (date the claim was incurred).
Can I review my claim reimbursement on the Cigna website?
Yes, you can review your claim reimbursements and corresponding settlements by logging in to your Cigna website.