Colby International Travel - Personal Travel

 

PLEASE NOTE:  The information below is only for personal travel only.  If you are traveling on official Colby business, click here for related information.

Colby employees and family members who are enrolled in a CIGNA medical plan will have coverage while traveling abroad. Coverage will vary with the plan you have selected.

Care rendered outside the United States is considered Out-of-Network, as CIGNA has no network outside the U.S.  The 80% / 60% Open Access Plus (OAP) plan and the Choice Fund Health Savings Account (HSA) plan both have out-of-network benefit coverage, while the Open Access Plus In-Network (OAPIN) plan does NOT have out-of-network benefit coverage, except for emergency or urgent care situations.

Emergency Care/Urgent Care

Emergency Care / Urgent Care is covered at In-Network benefit levels for all three medical plans (OAP, HSA and OAPIN), even though there is no network of providers outside the United States.  (This is a plan feature that is true in the United States, as well.)  All emergency and urgent care is covered at the In-Network benefit levels, regardless of place of service.

In most situations, the individual will be responsible for paying for the health care services in the foreign country.  For reimbursement for out of country care, you will need to submit a completed medical claim form to CIGNA, with a copy of

  • an itemized bill, including procedure code(s)/description of service(s) and a diagnosis code
  • the credit card payment receipt
  • a letter of medical necessity and/or procedure notes (op notes) may be required, if applicable

The CIGNA claim operation will use the date of the credit card transaction, along with the billed foreign currency amount to reimburse you in U.S. dollars at the appropriate currency conversion as of the transaction date, if not billed in U.S. dollars.

For Emergency and Urgent care, you will still be responsible for any in-network deductibles, copays, and coinsurance (the in-network plan provisions for the medical plan in which you have enrolled.)

Some facilities (hospitals) in certain foreign countries require a Guarantee of Payment (GOP) or payment in full prior to admission or discharge.  This can present a financial hardship to the individual as the amount can be quite significant.  In these instances, CIGNA in America can ask CIGNA International to assist and issue a Guarantee of Payment or pay the claim in local currency.

If case management or other clinical program help is needed in emergency or urgent care situations, CIGNA has a system set up to assign a case manager to assist the employee or family member navigate in a foreign country's health system -- a very valuable resource in a time of need.

Other Medical Care

Other medical care for outpatient or professional services are covered at the Out-of-Network benefit levels under the 80% / 60% OAP or HSA plan that you have selected.  NOTE:  There is no coverage for non-emergency care under the OAPIN plan.

All Out-of-Network benefit plan provisions (deductibles, coinsurance, visits, maximums, exclusions, etc.) will apply to covered medical services incurred outside the country.

You will be responsible for paying for the health care services in the foreign country.  For reimbursement for out of country care, you will need to submit a completed medical claim form directly to CIGNA with a copy of

  • an itemized bill, including procedure code(s)/description of service(s) and a diagnosis code
  • the credit card payment receipt
  • a letter of medical necessity and/or procedure notes (op notes) may be required, if applicable

The CIGNA claim operation will use the date of the credit card transaction, along with the billed foreign currency amount to reimburse you in U.S. dollars at the appropriate currency conversion as of the transaction date, if not billed in U.S. dollars.