International Health Insurance for Individuals from Aetna | Global Medical Plans & Coverage for Expats, Travelers & Visitors to the USA (2024)

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  • Aetna Clinical Policy Bulletins (CPBs) are developed to assist in administering plan benefits and do not constitute medical advice. Treating providers are solely responsible for medical advice and treatment of members. Members should discuss any Clinical Policy Bulletin (CPB) related to their coverage or condition with their treating provider.
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  • Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
  • Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies. Under certain circ*mstances, your physician may request a peer to peer review if they have a question or wish to discuss a medical necessity precertification determination made by our medical director in accordance with Aetna’s Clinical Policy Bulletin.
  • While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

  • The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
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This product includes CPT which is commercial technical data and/or computer data bases and/or commercial computer software and/or commercial computer software documentation, as applicable which were developed exclusively at private expense by the American Medical Association, 515 North State Street, Chicago, Illinois, 60610. U.S. Government rights to use, modify, reproduce, release, perform, display, or disclose these technical data and/or computer data bases and/or computer software and/or computer software documentation are subject to the limited rights restrictions of DFARS 252.227-7015(b)(2) (June 1995) and/or subject to the restrictions of DFARS 227.7202-1(a) (June 1995) and DFARS 227.7202-3(a) (June 1995), as applicable for U.S. Department of Defense procurements and the limited rights restrictions of FAR 52.227-14 (June 1987) and/or subject to the restricted rights provisions of FAR 52.227-14 (June 1987) and FAR 52.227-19 (June 1987), as applicable, and any applicable agency FAR Supplements, for non-Department of Defense Federal procurements.

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This information is neither an offer of coverage nor medical advice. It is only a partial, general description of plan or program benefits and does not constitute a contract. In case of a conflict between your plan documents and this information, the plan documents will govern.

International Health Insurance for Individuals from Aetna | Global Medical Plans & Coverage for Expats, Travelers & Visitors to the USA (2024)

FAQs

Does Aetna International work in the US? ›

Coverage for individuals who need care in the U.S. and abroad. This style of coverage gives you access to the highest level of health care and services, regardless of your location. This insurance plan offers you: Worldwide coverage.

What is the average cost of international health insurance? ›

How much does international health insurance cost? The average annual cost of an international medical insurance plan is $5,500 per year. * However, plans range from as low as $500 with limited benefits to as much as $8,000 for a comprehensive policy that includes coverage in the USA.

Can a tourist to the USA get health insurance? ›

Visitors insurance provides short-term medical coverage for non-U.S. citizens staying temporarily in the USA. Fixed insurance plans are cheaper than comprehensive plans but have more limited coverage. Visitors insurance works like traditional U.S. health insurance—with deductibles, copays and provider networks.

What health insurance do expats use? ›

IMG's expatriate health insurance provides 24/7 global access to health care, and connects expats to important international medical services, such as the coordination of emergency evacuations. These plans can be customized to suit the needs of expatriate individuals, families and groups.

Does Aetna cover me while traveling? ›

Some Aetna plans, for example, cover emergency care anywhere in the world, including medical evacuation. You may also consider travel insurance, which can cover medical expenses as well as trip cancellation and other concerns.

Can I get international health insurance? ›

International travel health insurance provides medical protection for American citizens leaving their country as well as for non-Americans while they are traveling in the U.S. Many types of travelers can apply and get international travel health insurance: newlyweds on honeymoon, people on missionary trips, business ...

Do I need additional medical insurance when traveling abroad? ›

Get travel insurance.

Make sure you have a plan to get care overseas, in case you need it. Consider buying additional insurance that covers health care and emergency evacuation, especially if you will be traveling to remote areas.

What is the difference between travel insurance and international health insurance? ›

International health insurance is designed to provide a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance provides cover for emergency treatment while you are in another country for a shorter space of time.

How much is travel health insurance in the USA? ›

According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. Solo travelers can expect to pay around $60-$100 for coverage. Travel insurance provides a range of protection before and during your trip.

Which visitor health insurance is best? ›

Summary: Best Travel Medical Insurance for Visitors to the U.S.A
Our expert takeCompanyLearn More
Best OverallWorldTripsGet A Quote
Great for Trip Interruption InsuranceIMG (VisitorsCoverage)Get A Quote
Best for Urgent/Emergency Care Reimbursem*ntSeven CornersGet A Quote
Best for Deductible ChoicesTrawickGet A Quote
1 more row
Jul 24, 2024

How much does visitor insurance cost? ›

Insurance for visitors can cost about $200 to $400, on average, according to VisitorsCoverage, a visitor insurance comparison provider. But many factors will influence what you pay, such as the type of policy you buy, your coverage amounts, your age and the length of your trip.

What happens if a tourist gets sick in USA without insurance? ›

Seek Emergency Care When Necessary

In life-threatening medical situations, don't hesitate to call 9-1-1 or visit the nearest emergency room. Medical providers are required by law to stabilize patients in emergency situations regardless of their insurance status.

Is international health insurance expensive? ›

International health insurance can cost you anywhere from $200 to $900 per month— with an average of $500.

Do expats get free healthcare? ›

As a tourist in a foreign country, you should have travel health insurance to cover any unexpected medical expenses or you may have to pay out of pocket. That's because there is no “free” healthcare anywhere; every health system is funded either by taxes or other contributions by the residents of that country.

Do US expats get Medicare? ›

Medicare generally does not cover health services outside the United States. If you move outside the United States: Medicare Part A (hospital insurance), is available to you if you return. No monthly premium is withheld from your Social Security benefit payment for this protection.

Does worldwide insurance cover USA? ›

What countries does worldwide travel insurance cover? While you'd be forgiven for thinking worldwide travel insurance covers you in every country across the world, this isn't always the case. Be mindful that the USA, Canada, Caribbean and Mexico are commonly excluded destinations in some worldwide policies.

Can you use global health insurance card in USA? ›

Can I use a GHIC outside of Europe? No. Despite the new card being called 'global', it's only valid in EU countries, not further afield.

How do I submit a claim to Aetna International? ›

You can call us any time on the phone number listed on the back of your Aetna ID Card. You can also send us a secure email by logging in to www.aetnainternational.com and clicking 'Contact us'. This form can be used to submit a claim for medical, dental, vision, or pharmaceutical services.

What is Aetna in USA? ›

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). Health benefits and health insurance plans contain exclusions and limitations.

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