What is Your Global Benefits Strategy?

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What is Your Global Benefits Strategy?

• Tom Grote, Aetna Inc.
• Pam Enright, Aetna Global Benefits

2
Headlines News
Introduction

• Earthquake/tsunamis in South Asia
• Hurricanes in Caribbean
• Civil unrest in the Middle East

3
Challenges Faced by Expatriates
The Need for Global Benefits

• Unfamiliar surroundings
• New and different healthcare system
• Choosing quality providers
• Identifying appropriate facilities
• Language barriers
• Preparing for and managing emergencies away from
  home

4
Expatriate Destinations
The Need for Global Benefits

• China
• US
• UK
• Middle East

5
Gaps in Domestic Healthcare Coverage
The Need for Global Benefits

• Customer service support
• Typically US business hours
• US dollar claim reimbursement
• Managing out-of-pocket expenses
• Providers require payment at point of service

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Gaps in Domestic Healthcare Coverage (cont.)
The Need for Global Benefits

• Healthcare/security preparations for overseas
  living
• Difference in climate, air quality, etc.
• Awareness of political climate
• Emergency evacuations
• Medical expertise outside of the US
• International EAP services

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Differentiating Domestic and Global Programs
Features of Global Benefit Programs

• Member support tools and resources
• 24 x 7, 365 days a year
• Translation databases of medical terms
• Access to international provider databases
• Emergency assistance
• Medical and non-medical services
• IEAP program with access to providers all over
  the world

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Differentiating Domestic and Global Programs
(cont.)
Features of Global Benefit Programs

• Pre-assignment planning assistance
• Non-US currency reimbursement
• Availability of international resources around
  the clock
• Medical professionals
• Security experts
• Cost Effectiveness
• Lower compared to insured rates
• Indirect savings time and productivity

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Coverage Trends
The Need for Global Benefits

• Global assignee program
• Same plan regardless of type of assignee (US
  Expat, Third Country National, etc.)
• Split contract bases between US and non-US
  assignees
• On-shore versus off-shore contracts
• Inpatriate-specific programs
• Coverage for business travelers

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Case Study 1
Case Studies

• Mr. Expatriate has been assigned to Shanghai,
  China for two years
• Wife and two children will accompany him
• Daughter has asthma everyone else is healthy
• How do the US and Global plan compare?

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Analysis Covered by US Plan
Case Studies

• US plan
• Family works with plan sponsor and PBM to obtain
  approval for maintenance medication in excess of
  30/90 days
• Wife uses Yellow Pages to find a doctor in
  Shanghai
• Family incurs expenses in China and submits for
  reimbursement in US dollars only

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Analysis Covered by Global Plan
Case Studies

• Global plan
• The Expatriates contact the global program for
  assistance with pre-assignment planning
• Learns about Chinas climate and impact asthma
  treatment/effectiveness of medication
• Discusses back-up plan
• Identifies direct pay hospitals in the region for
  emergencies
• Obtains 12 month supply of asthma prescription at
  pharmacy, no approvals required
• The Expatriates access the global programs
  website for city profiles, and security and
  healthcare information about Shanghai, and China
  in general, including a physician listing

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City Profiles
Case Studies
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RX Translation Database
Case Studies
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Security Profile
Case Studies
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Physician Search
Case Studies
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Q A

• Thank you for your time today!