Adventures In Missions

International & Domestic Travel Coverage

It’s important to understand both international and domestic medical insurance, so that your policy’s benefits can be maximized to cover the cost of treatment.

When answering the call and traveling on a mission trip, you recognize that there are two very important issues associated with this unique type of travel:

Where you are going is inherently more dangerous than where you live.
You are going to a place where people need help. Not only is the spiritual message needed but often physical help is needed as well.  The living conditions will be different and the food and water could also be a possible risk. By agreeing to go you are assuming that risk and putting yourself out there to be used while on the mission trip.

If there are expenses over and above the cost of the trip, including medical expenses, you are responsible for these personal expenses.
However, you have purchased a travel medical insurance policy to help shift the responsibility of most of these expenses onto the insurance company.

 

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International Travel Coverage

As a participant with Adventures in Missions, you have been enrolled in travel medical coverage provided by Adventures according to the mission trip you have joined. The purpose of this page is to give you an overview of your benefits, and answer some of the common questions associated with this coverage.

To locate medical providers go here.

Plan Highlights

Plan Types:

World Race/Gap Year Travel Plan

International travel medical provides coverage for new accidents and sicknesses when traveling outside your home country; protecting you from the cost of medical care and providing emergency medical services when you need them. Benefits include:

Policy Highlights World Race/Gap Year Travel Plan
Deductible $100
Medical Maximum $1,000,000
Indemnity $250
Return of Mortal Remains $100,000
Return of Minor Child: $100,000
Emergency Med Reunion $100,000
Emergency Med Evacuation $1,000,000
Accidental Death / Dismemberment $50,000
Local Ambulance $1,000,000
Sports and Leisure $1,000,000
Terrorism $1,000,000
Felonious Assault $10,000
Benefit Period 12 Months
Additional Benefits

In addition to your accident and sickness benefits there is a dedicated phone service line, operationally 24 hours/day, providing access to medical professionals. If something does go wrong, the appropriate resources will be readily available and accessible for the following issues:

  • Dedicated Claims Team
  • Bag Tracking
  • Embassy & Consulate Referrals
  • Emergency Cash Transfers
  • Security Updates & Country Profiles
  • Lost Passport/Travel Documents Assistance
  • Prescription Drug Replacement Assistance
  • Drug Translation Services
  • Emergency Travel Arrangements
  • Legal Referrals
  • Pre-Trip Health & Safety Advisories
  • Emergency Message Relay
  • Available 24 hours a day, seven days a week
MedJet Assist – The “Fly You Home” (Optional Plan)

MedJet

If you are a Classic Medjet member and you are hospitalized more than 150 miles from home, MedjetAssist will arrange air medical transport all the way back to the hospital of your choice in your home country from virtually anywhere in the world. Medjet membership can get you all the way back to the hospital you trust in your home country. All you ever pay is your membership fee.
Choose a yearly membership plan that covers you for 90 days at a time, 180 days at a time, or 365 days at a time. For example: if you are traveling for 9 month then you will choose the 365 day plan. If you are traveling for 4 months at once, choose the 180 day plan.

Contact MissionSafe for questions about coverage or enroll in MedJet Assist coverage here.

EPS Expatriate Prescription Service

EPS allows you to order up to a 6 month supply for your medications while overseas. This can be used for any ongoing medications you currently take or a new prescriptions that may be covered through your international medical plan. The member is responsible for 100% of the cost and can then file for reimbursement with IMG, if applicable. Unfortunately controlled substances, including medications for ADHD, can not be shipped internationally.

Download the one-page flyer and contact info.

Important Information for World Race Participants as it Relates to PPACA

Insurance is an important part of any international travel. Understanding the difference between international medical insurance and domestic (U.S.) health insurance can be challenging. The Patient Protection Affordability and Accountability Act (aka Healthcare Reform) has requirements that you as a U.S. citizen must fulfill or face tax penalties for non-compliance. Follow this link for frequently asked questions and resources to determine the actions you need to take.

Download the PPACA Information Post.

Important Documents

Short Term International Travel Plan

International travel medical provides coverage for new accidents and sicknesses when traveling outside your home country; protecting you from the cost of medical care and providing emergency medical services when you need them. Benefits include:

Policy Highlights Short Term International Travel Plan
Deductible $0
Medical Maximum $1,000,000
Indemnity $250
Return of Mortal Remains $100,000
Return of Minor Child: $100,000
Emergency Med Reunion $100,000
Emergency Med Evacuation $1,000,000
Accidental Death / Dismemberment $50,000
Local Ambulance $1,000,000
Sports and Leisure $1,000,000
Terrorism $1,000,000
Felonious Assault $10,000
Benefit Period 12 Months
Additional Benefits

In addition to your accident and sickness benefits there is a dedicated phone service line, operationally 24 hours/day, providing access to medical professionals. If something does go wrong, the appropriate resources will be readily available and accessible for the following issues:

  • Dedicated Claims Team
  • Bag Tracking
  • Embassy & Consulate Referrals
  • Emergency Cash Transfers
  • Security Updates & Country Profiles
  • Lost Passport/Travel Documents Assistance
  • Prescription Drug Replacement Assistance
  • Drug Translation Services
  • Emergency Travel Arrangements
  • Legal Referrals
  • Pre-Trip Health & Safety Advisories
  • Emergency Message Relay
  • Available 24 hours a day, seven days a week
Important Documents

Staff & Coaches International Travel Plan

International travel medical provides coverage for new accidents and sicknesses when traveling outside your home country; protecting you from the cost of medical care and providing emergency medical services when you need them. Benefits include:

Policy Highlights Staff & Coaches International Travel Plan
Deductible $100
Medical Maximum $100,000
Indemnity $100
Return of Mortal Remains $50,000
Return of Minor Child: $50,000
Emergency Med Reunion $50,000
Emergency Med Evacuation $500,000
Accidental Death / Dismemberment $25,000
Local Ambulance $100,000
Sports and Leisure $100,000
Terrorism $50,000
Benefit Period 6 Months
Important Documents

Staff Domestic Medical Plan

Medical Plans:

Choice Plus AJUL (Health Savings Account Plan – $27.50 per pay period)
Click Here For Details

Choice Plus 8X7 (Base Plan – $55.00 per pay period)
Click Here For Details

Choice Plus ZR5 (Buy-Up Plan – $86.91 per pay period)
Click Here For Details

Additional Medical Information:

Virtual Visits:
Click Here For Details

2017 Prescription Drug List:
Click Here For Details

Pharmacy Benefit Program:
Click Here For Details

Dental Plan:
Click Here For Details

Vision Plan:
Click Here For Details

Long Term Missionary Plan

IMG Group Alternative Plan Benefits

Designed to provide financial incentives for members to receive their medical care overseas where it is traditionally less expensive.

  • A higher deductible for care received in the United States;
    • Deductible – $1,000 overseas
    • Deductible – $2,500 in the US
  • A revised Coinsurance schedule for care received inside the U.S.:
    • 80/20% to $10,000 in network
    • 60/40% to $10,000 out of network

All transplants limited to a lifetime maximum of $250,000

SCHEDULE OF BENEFITS/LIMITS – Subject to the Terms of this insurance and the insurance plan shown in the Declaration, the following insurance plans are available to the Insured Person and offer the following benefits and coverage arising out of Injury or Illness incurred while the insurance plan shown in the Declaration is in effect:

LIMIT/OTHER LIMIT/AMOUNT FOR ELIGIBLE MEDICAL EXPENSES
Period of Coverage365 day Maximum Limit
Maximum Limit per lifetimePer Insured Person, as indicated on the Declaration Page.
Deductible Per Calendar YearPer Insured Person and as indicated on the Declaration. An additional Deductible of $250 will be applied for each Emergency Room visit for Treatment of an Illness which does not result in inpatient status.
Family Deductible2 Deductibles per Family per Calendar Year
Coinsurance per Calendar YearIf Utilizing Medical Concierge Provider: Plan pays 85%, and Insured pays 15% of Eligible Medical Expenses until reaching $5,000, then Insured pays 0%.

For Treatment received outside the US: Plan pays 100%, and Insured pays 0% of Eligible Medical Expenses.

For Treatment received within the US:
If In the PPO Network, Plan pays 80%, and Insured pays 20% of Eligible Medical Expenses until reaching $10,000, then Insured pays 0%.
If Outside the PPO Network, Plan pays 60%, and Insured pays 40% of Eligible Medical Expenses until reaching $10,000, then Insured pays 0%.
The following benefits are subject to the Deductible and Coinsurance, as described above and cannot exceed the Maximum Limit. When the Eligible Medical Expense criteria are met, the benefits offered under the insurance plan shown in the Declaration shall be as follows:
CHARGES FOR: MAXIMUM LIMITS PER CALENDAR YEAR OR IF INDICATED, PER LIFETIME
Eligible Medical ExpensesUsual, Reasonable and Customary.
Hospital Room & BoardUp to the average semi-private room rate, including nursing service.
Intensive Care UnitMaximum Limit of 3 times (3x) average semi-private room rate.
Mental or Nervous DisordersOutpatient Treatment: 50% of Eligible Medical Expenses and maximum of 40 visits per Insured Person per Calendar Year.

Inpatient Treatment: Maximum of 30 days per Insured Person per Calendar Year.
MaternityUsual, Reasonable and Customary
Newborn Care & Children’s
Congenital Disorders
$250,000 Maximum Limit per lifetime for Newborn Care and Children’s Congenital disorders until age 19. 60 day waiting period for Children not born on this Plan.
Physical Therapy $2,500 Maximum Limit per Calendar Year
Chiropractic Care 50% of Eligible Medical Expenses up to $500 Maximum Limit per Calendar Year.
Hospice Care$7,500 Maximum Limit per lifetime per Insured Person.
Home Nursing CareMaximum Limit of 30 days per Calendar Year.
Extended Care FacilityMaximum Limit of 60 days per Calendar Year.
Podiatry Expense$750 Maximum Limit per Calendar Year.
Prescription MedicationOutside the U.S.: Usual, Reasonable, & Customary.
Inside the U.S.: Maximum Limit of 90 day supply per prescription when using Universal Rx program along with the following copays: $15/Tier 1, $30/Tier 2, $60/Tier 3.
Transplant Expense $250,000 Maximum Limit per lifetime; $10,000 Maximum Limit per lifetime for associated organ procurement & harvesting costs; $5,000 Maximum Limit per lifetime for associated travel & lodging expenses. Subject to special transplant Pre-certification provisions, and only when Treatment is provided within the Company’s approved independent Managed Transplant System Network. Covered Transplants are: cornea, heart, heart/lung, lung, kidney, kidney/pancreas, liver or allogeneic or autologous bone marrow.
The following benefits are not subject to a Deductible or Coinsurance, but cannot exceed the Maximum Limit. The benefits offered under the insurance plan shown in the Declaration shall be as follows:
BENEFITMAXIMUM LIMITS PER CALENDAR YEAR, OR IF INDICATED, PER LIFETIME
Wellness Expenses$500 Maximum Limit every 12 months.
Hospital Indemnity (outside US only)Private Hospitals: $400 per overnight and $4,000 Maximum Limit per Calendar Year. Public Hospitals: $500 per overnight and $5,000 Maximum Limit per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits.
ADDITIONAL PROVISIONSREQUIREMENTS
Pre-CertificationTransplants: No coverage if Pre-certification provisions are not met.

All other Treatments and supplies: the greater of $50 or 20% reduction of Eligible Medical Expenses up to a maximum of $1,000 if Pre-certification provisions are not met.

 

 

Adventures in Missions Contact
Toll Free: 800.881.2461
In Georgia: 770.983.1060
Agent Questions:

service@missionsafe.com

Your broker, MissionSafe, is here to assist you with any questions you may have concerning your specific needs. You can contact them at service@missionsafe.com.

Domestic Medical Coverage

As a member of the staff with Adventures in Missions, you have enrolled in medical, dental, vision, and life insurance coverage provided by Adventures. The purpose of this page is to give you an overview of your benefits, and answer some of the common questions associated with this coverage.

  1. Staff Domestic Insurance – See plan highlights below.
  2. Short-term Domestic Insurance – For those returning from World Race that need up to 90 days of domestic medical insurance: Contact Lynn Leggett at service@missionsafe.com.
  3. Short-term Domestic Mission Trip Insurance – This coverage is an optional plan for those churches or ministries traveling in the U.S. It is designed for domestic mission trips or disaster relief trips. Click here for more details.

 

 

Review Before You Go MissionSafe:

Deductible

A deductible is the amount of money you are responsible for before the insurance benefit is available. (Click here for a video explanation.) Your deductible amount can be found on your declaration page.

Co-Insurance

For domestic coverage this is a percentage of the medical costs to be shared by the insurer and the insured after the deductible has been met at the time of paying the claim. In an 80/20 to $5000 plan, the insured will pay his deductible (e.g. $500) and also 20 percent (the co-insurance) of the first $5000 of medical costs. Then the insurance company will cover all eligible expenses after the out-of-pocket maximum. Note that co-insurance is not the same as co-pay.

Co-Pay/Co-Payment

For domestic coverage a certain amount of money, usually a fixed preset dollar fee, paid by a person who has insurance at the time medical care is received. This fee is in addition to any deductible and co-insurance limits.

Pre-certification

If you are going to be checked into a hospital or have a test like an x-ray or scan, you will need to contact the insurance company for three reasons.

  1. They can give you direction and confirmation if this is the best place for you to receive the treatment you need.
  2. They will want to set up a direct billing relationship with the provider if possible so that you don’t have to pay out of pocket.
  3. You must pre-certify this activity with the insurance company to ensure the full benefit. Failure to contact the insurance company and pre-certify cuts your benefit in half.

Reimbursement

The amount of money required by the doctor, clinic, or hospital paid up front at the time of service and what the insurance company will refund to you after you have completed the claim process.

Receipts

This is the written documentation that shows proof of treatment during the time the policy was active. The most important item on the receipt is the date. The date shows the treatment began while the insurance was available and therefore the amount might be eligible for reimbursement.

Claims Process

This is the claims process the insurance company has in place to pay for your reimbursements under the guidelines of the policy. Because insurance companies are audited to make sure they are doing everything correctly, they have a standardized procedure they must follow to collect your information, process the information and documentation from your illness or injury, and pay the claim.

How Medical Claims are Paid

The process begins with the treatment for an illness or injury while you are overseas. Because you are probably in an area of a country that does not have the experience with dealing with international commerce and payments, they will want to be paid for the services they are providing on the spot. Because this is considered a personal expense, you need to have a credit card or way to access cash to pay for the bill. You may have medication charges as well as service charges. At this point the receipt is critically important because based on the amount of your deductible, you will be reimbursed based on the receipt that you include with your claim form. If you have a deductible then you must pay the first dollar amount of those bills (and show proof of payment) up to that deductible before the plan benefits will be available.

Example: Clinic bill of $700.00. Insured has a deductible of $100.00. Insured must pay the first $100.00 of the bill before insurance will begin to process the remaining $600.00. Only one plan deductible must be satisfied per policy period.

Claims Payment Options

  1. Reimbursement – This is the most common method by far and most people use a credit card to pay for the services or access cash.
  2. GOP- Guarantee of Payment is a second option that some providers will accept as a form of payment.  The insurance company sends an email or fax to the provider with a statement guaranteeing the payment for your treatment.  If accepted, then you don’t have to pay with a credit card and the insurance company and the provider will settle the payment later.
  3. Direct Billing – This is the way bills are paid in the USA where the doctor or hospital send the bill directly to the insurance company and you are only responsible to pay for the deductible up front.

Filing Claims

  • If you become ill or injured on your trip, seek treatment immediately. Minor issues can become major issues quickly while overseas. You also need to begin treatment while the coverage from your policy is effective. You may go to a pharmacy, clinic, doctor, or hospital of your choice but you must get a receipt even if they don’t charge you anything because the date on the receipt is so important for documenting the beginning of treatment. Be aware that if you go to an emergency room and are not admitted, there is a specific deductible for that situation that is different from the policy deductible. Usually this amount is around $250.00. This is something to keep in mind if the injury or illness is one that can easily be treated at a clinic or with a doctor.
  • Once you have the receipt and the medicine, you have 90 days to file the claim paperwork. The receipt serves as proof of treatment so that the “follow me home coverage” has a start date from the date on the receipt not the date you return from your trip to your home country. This process might go on longer because you might see a doctor once you return home to follow up on the care you received overseas but you need to begin the process within 90 day of the first treatment.
  • By filling out the short claim form and sending copies of your receipts to the claim department of the insurance company you are eligible for reimbursement of expenses that are within the policy guidelines. If you see a doctor back in your home country, send those receipts or any documentation called Explanation of Benefits (EOB) to the insurance company claim office so that you can receive the benefits found in the policy.

Paying for Coverage

All premiums are collected by Adventures and submitted on your behalf to the insurance carrier and other emergency services vendors participating in our new policy/programs. You are able to raise support for the cost of coverage which varies based on number of days and the mission trip with Adventures you select.

Credit Cards & Personal Expenses

If there are expenses over and above the cost of the trip, including medical expenses required to be paid at the time of medical service, personal items, souvenirs, etc, you are responsible for these “personal expenses”. Therefore, we recommend carrying a credit card with a limit of at least $500 dollars to cover any unexpected injury, illness, or other personal expense until these costs can be reimbursed by your insurance policy.

Why You Need Insurance

A direct quote from the U.S. Department of State’s travel website regarding the need for insurance:

“Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000. Note that U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States.

If your insurance policy does not cover you abroad, it is a good idea to consider purchasing a short-term policy that does.”

PPACA

Important Information for World Race Participants as it Relates to PPACA

Insurance is an important part of any international travel. Understanding the difference between international medical insurance and domestic (U.S.) health insurance can be challenging. The Patient Protection Affordability and Accountability Act (aka Healthcare Reform) has requirements that you as a U.S. citizen must fulfill or face tax penalties for non-compliance. Follow this link for frequently asked questions and resources to determine the actions you need to take.

Download the PPACA Information Post.

Other Benefits

This is not a complete listing of benefits but a reasonable sample:

Dental Due to Accident for Sound Natural Teeth; Intensive Care; Ambulance; Emergency Evacuation; Emergency Reunion; Remote Transportation; Political Evacuation; Terrorism Coverage; Identity Theft Assistance; Felonious Assault; Loss / Theft – Valuables, Personal Papers

Family Benefits

The greatest benefit for your family is peace of mind that in the event you have a medical need, there are medical personnel available to consult and guide your care up to an extreme medical evacuation. The emergency reunion benefit provides for one family member to be flown to be with you in the event you are hospitalized overseas for a period of time. Furthermore, if you continue to need care for an injury or illness you began treatment for overseas, your benefit will continue for up to 6-12 months back in the United States. This is a tremendous financial assistance to you and your entire family, saving you the burden and financial expense of medical care, emergency evacuations, and foreign claims.
How International Medical Works

 
Deductible Details

 
Aim Parents & Family FAQ

 
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