Does cigna health insurance cover international travel

If you are a benefits-eligible faculty or staff on U.S. payroll and plan to work abroad for 180 days or less, Stanford can provide you medical and dental services through Cigna. 

Coverage for yourself: Your U.S.-based medical and dental coverage can be suspended while you are abroad because our plans do not provide routine and non-emergency coverage outside the U.S. You also have the option to cover dependents who will be abroad with you, with the Cigna plan rates listed below.

Coverage for your dependents: If your covered dependents will remain in the U.S. while you are abroad, your U.S.-based benefits will remain in effect for them and your normal per-pay-period deductions will continue; you would then enroll in the Cigna plan for yourself using the instructions below, at no additional cost.

* Note: This Cigna plan is only for employees who work outside the U.S. on a short-term assignment; if you are Global Staff, click here.

Plan Rates

The cost per-pay-period for the Cigna international program is based on your coverage tier.

Plan Details

Actions to Take Prior to Your Departure

1. Contact the University HR Service Team to let them know your date of departure (877-905-2985 or 650-736 2985).
2. Log onto Cigna’s portal (CignaEnvoy.com) and look for the “I am a customer” box; select “I am an international business traveler” to initiate user credentials. The Stanford user name and password can be found here.
3. Print your Cigna medical benefits abroad ID card and keep this with you. Before you go, search for providers for the region to which you’ll be traveling online (CignaEnvoy.com). Present your ID card when you seek care.
4. General information can be found in Cigna's Welcome Kit.
5. Contact the University HR Service Team when you return to the U.S. so we can reinstate your U.S. benefits elections.

Cigna Medical Benefits Abroad Certificate.

Cigna Medical Benefits Abroad Benefits at a Glance Summary.

Cigna Medical Benefits Abroad Crisis Assistance.

Stanford International Travel Assistance Program

The Stanford International Travel Assistance Program provides medical, personal, travel and security assistance services. While this program offers medical services, if you are remaining on U.S. payroll and working abroad for 180 days or less, it is recommended that you use the Cigna plan for your healthcare needs. However, you should review the other services the program can offer you, such as emergency evacuation, should there be civil or political unrest, insurrections or revolution, for example, that could put your personal safety and security at risk. Read about the Stanford International SOS program here (internationaltravel.stanford.edu).

Posted on Monday, May 4th, 2020 at 9:00 am You can skip to the end and leave a response. Pinging is currently not allowed.

If you and your family are looking for a comprehensive health insurance plan that will cover you around the world, the Cigna Global Medical plan is worth considering. This plan provides international medical care around the world, and is annually renewable so you can keep the plan as long as you need. The plan also provides many customizable options allowing you to choose the coverage that is right for you – and your budget!

The Standard Benefits

The plan includes standard hospital benefits in three levels: Silver, Gold and Platinum. Each of these options offer a higher level of protection for hospitalization. You will also be able to choose your out-of-pocket amount so that you can balance the cost of the plan with the amount you pay when you seek medical attention.

Optional Modules – Enhance Your Coverage

Once you’ve chosen the level of coverage (Silver, Gold or Platinum) as well as your out of pocket costs, the next step would be to select any additional modules (or, add-ons). There are four options to add, as described below:

• International Outpatient – This add-on includes coverage for doctor visits, including specialists, vaccinations, and routine care. If you have chosen the Gold or Platinum levels, then pre-natal/post-natal care would be covered after a year.
• International Medical Evacuation – Many schools require students and scholars to have coverage for medical evacuation and repatriation in case you need to return home. If that’s the case, you will want to include this module.
• International Health and Wellbeing – This module includes coverage for wellness, including coverage for a routine physical, pap smear, mammograms, etc.
• International Vision and Dental – By adding this option, you will have coverage for eye exams, lenses/contacts, preventative/routine dental care, and restorative dental treatment.

Please note: This plan WILL cover the Coronavirus, COVID-19, the same as any other illness or accident according to the terms of the policy. The plan will only cover the medical expenses if you get the virus after the start date of the plan.

You can also view a complete list of the benefits online.

This plan is medically underwritten so you will need to answer a list of medical questions, and if requested, you will need to provide medical records. Based on your answers and your medical history, Cigna will evaluate your medical background and decide how to handle any pre-existing conditions. This process takes approximately 5 business days to be reviewed.

If you have questions about the plan, or would like to speak directly with one of our licensed customer service representatives, please contact us and we would be happy to assist you.

Category: Announcement, Health & Safety Abroad, International Student Health Insurance, International Students in the USA, Product Information, Student Insurance, Study Abroad

Tags: Cigna Global, coronavirus, dental coverage, Health and Wellbeing, insurance for dependents, International health insurance, international medical evacuation, vision coverage

Posted by Jennifer Frankel

Jennifer is the International Director at International Student Insurance. Jennifer is a graduate of the University of Florida where she holds a Masters in International Business and a Bachelors of Science in Business Administration. She has lived and worked abroad in Mexico, Chile, Costa Rica and England, and traveled extensively in South America, Europe and Asia.

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