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.
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.