• IARC Medical Plan Brochure

Note: This section applies only to active and retired participants paying an international premium rate (non-U.S. premium rate).

For health care received outside the United States, the Plan generally pays 90% of your expenses after you satisfy the Annual Deductible. Please note that there is no Annual Deductible for Active Employees enrolled in the International–Other Category when receiving care outside of the U.S. You can minimize your costs by using a provider in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of covered expenses for all providers outside of the U.S., your portion of costs will be lower if you use providers in Cigna’s network. Additionally, network providers often have direct-billing arrangements with Cigna, which minimizes your paperwork. You can look up the Cigna network providers in your Cigna personal webpage. For information on creating a Cigna personal account, please refer to Cigna Personal Webpage instructions.

For health care received in the United States, the limit on your out-of-pocket expenses is higher. However, the Plan pays a higher percentage of your U.S. expenses if you use the providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP network providers have agreed to discounted fees, so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. Click here to find Cigna OAP providers.

To learn about Plan's co-insurance, deductibles, out-of-pocket expenses for active employees and retirees paying international rates (non-U.S. rates), please refer to the International Plan Summary Table (for those paying non-U.S. premium rate) in the IARC Medical Plan Brochure.

This section applies only to active employees of Centers and retirees paying a U.S. premium rate.

For health care received in the United States, the Plan pays a greater portion of your expenses if you use providers who are members of Cigna’s Open Access Plan (OAP) network. Cigna’s OAP providers have agreed to discounted fees so by using them you will be paying a lower percentage of a lower charge. The OAP providers have direct billing arrangements with Cigna, which facilitates the claims process. You can find Cigna OAP providers in Cigna's OAP provider U.S. Directory. 

For health care received outside the United States, the limit on your out-of-pocket expenses is lower. You can minimize your costs for health care received outside the U.S. by using providers in Cigna’s network of preferred providers. Cigna has negotiated discounted fees with these providers, so while the Plan pays 90% of most medical expenses outside of the U.S., your portion of costs will be lower by using providers in Cigna’s network. Network providers have direct billing arrangements with Cigna to minimize your paperwork. You can look up the Cigna network providers in your Cigna personal webpage. For information on creating a Cigna personal account, please refer to Cigna Personal Webpage instructions.

To learn about Plan's co-insurance, deductibles, out-of-pocket expenses for active employees and retirees paying U.S. rates, please refer to the Medical Plan Care Summary Table (for those paying U.S. rates) in the IARC Medical Plan Brochure.

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. Please note that there is no Annual Deductible for Active Employees enrolled in the International–Other Category when receiving care outside of the U.S. 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.