Aetna International Traditional Choice Indemnity Plan

Learn about the two options for those living overseas.

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Aetna International Traditional Choice Indemnity Plan

Learn about the two options for those living overseas.

Aetna International Traditional Choice® Indemnity Plan is available with or without a High Deductible Health Plan.

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The International Traditional Choice Indemnity Plan options are for those living overseas. These plans give you the freedom to get care from any licensed provider you choose.

Key points

Overseas provider access: We have established arrangements with about 165,000 health care providers outside the United States (in addition to 1.2 million inside the United States) to be part of our network. We refer to these arrangements as direct settlement.
Choose any provider: he plan pays the same level of benefits as in the U.S., and you can choose any providers, as the Aetna International plan does not have a network requirement.
Additional benefits and member services: This plan provides access to additional benefits to help you receive quality care, wherever you live.
Members pay first, then submit claims: You pay for the cost of care up front. Then you complete and submit a claim form to Aetna to be reimbursed for covered expenses. You can do this on the Aetna International Mobile app or the Aetna International member portal.
Deductible and coinsurance: Once you meet the annual deductible, the plan typically pays a percentage of the expense (usually 80%) based on recognized charges. You pay the balance (usually 20%). This is called coinsurance.
Pharmacy benefits: Prescription drug coverage is part of medical plan coverage for those living overseas. Consult your plan documents for information on copays and other charges when filling prescriptions in the U.S. or through mail order.
Vision and hearing benefits: This plan includes glasses, hearing aids, eye care and more. Find documents in "Find resources & forms" below.
Preventive care: Preventive care services are covered at 100%.
Available as an HDHP: This plan is available as a High Deductible Health Plan (HDHP) or as a non-HDHP health plan.

Note: You can also learn about dental coverage in the Summary of Benefits documents in "Find resources & forms" below.

HDHP with Aetna International Traditional Choice Indemnity Plan

As the name says, an HDHP has a higher deductible — but you’ll pay a lower premium. That means you’ll have less deducted from your paycheck each pay period. The HDHP plan with the International Traditional Choice plan offers access to the same providers, services and program features as the non-HDHP version of the plan.

With an HDHP plan you’ll:

Pay up to 23% less per year on premiums
Get up to $1,000 in a Health Reimbursement Account (HRA) from your NAF employer to help pay deductibles and other health care expenses. You can also have a Flexible Spending Account (FSA) with this plan.
Pay $0 in copays (except for getting non-emergency care at an emergency room)

Learn why you should consider an HDHP.

Aetna International Traditional Choice Indemnity Plan

The International Traditional Choice Plan makes it easy to get the quality health care services you and your family need.

With a non-HDHP plan like this one, you’ll:

Pay more in premiums each pay period than you would with the HDHP
Have a lower deductible, so plan coverage will start sooner
Have copays for pharmacy services only

Learn more about choosing between a non-HDHP and an HDHP.

Additional benefits for those living overseas

Members have access to international health care concierge services through Aetna International. This means you’ll have personal support to help you and your family use your health benefits and receive quality care — no matter where in the world you live. Your member services include the following:

Multilingual member services, 24/7

Use your AT&T Wallet Card for 24/7 toll-free access to service professionals in the U.S. who speak multiple languages. They can:

Help with pre-trip planning
Help find health care services anywhere in the world
Answer questions about claims and coverage
Process and pay claims in any language and in more than 100 currencies, using a check, wire or direct deposit

Care and Response Excellence (CARE) team

This team makes sure you and your eligible dependents get high-quality health care solutions and ongoing support wherever you are in the world. The CARE team supports your health care needs by coordinating the activities of internal (clinical) staff and care programs as well as external agencies, including hospitals, pharmacies and airlines.

To request contact information for CARE, visit AetnaInternational.com or call 1-888-506-2278 (outside the U.S., via AT&T + access code) or 1-813-775-0189 (direct or collect outside the U.S.).

Note: Your Aetna health care team may reach out to you, at times, to help you avoid problems.

Aetna International website

The Aetna International website provides personalized support with well-being, mental well-being and global resources. This website gives you access to:

Your plan and policy information
Doctors, hospitals and health care facilities wherever you are
An online claims center
Destination guides with advice on vaccinations and general health for countries outside the U.S.
A health assessment tool that helps you understand your health risks and suggests healthy actions
The Aetna health library, which contains information to help you stay fit and healthy

Aetna Health℠ app

Enjoy the best features of the Aetna member website on your mobile device. Use this free app to find doctors, estimate costs and access your digital ID card. Download the app from your app store. Log in using the same username and password you created for your Aetna member website.

Find resources & forms

Plan documents