Member Benefits Guide 2022 - 2023 Here’s to a healthier you!
INTRODUCTION
Whether you are a new member enrolling into your benefits for the first time, or considering your benefits during open enrollment, this guide is designed to help you through the process
International Alliance Group is proud to offer you a broad range of benefit options. You can choose from a number of plans including medical, dental and vision coverage.
Please take the time to read this information and ask questions so you can make the best benefits decisions for yourself and your family
If you should have any questions:
1 . Contact the carrier directly . Phone number and website information is on page 10 .
2 Contact Monica Sanders at 602 670 7942 or monica@iagusa .org.
This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible employees. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
2 TABLE OF CONTENTS Medical Plan Information 3 Medical Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Introducing Global TeleMDTM 5 GeoBlue: Global Local Mobile 6 Dental Plan 7 Vision Plan 8 Employee Assistance Program . . . . . . . . . . . . . . . 9 Life Insurance 10 Zero Monthly Cost 11 Important Phone Numbers & Websites 12
Medical Plan Information
The program that will provide medical insurance to International Alliance Group .
The network International Alliance Group will use for hospitals and physicians .
The company that will process International Alliance Group’s medical claims
Medical benefits provide you and your family access to quality health care. International Alliance Group offers a very rich medical plan provided through GeoBlue. GeoBlue contracts with BCBS to use their national network, with claims processing and customer service being provided by GeoBlue.
To contact GeoBlue, please go to www.geo-blue.com or call 855.282.3517 (inside the US) or 610.254.5304 (outside the US).
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SUMMARY
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2 GeoBlue IAG
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Blue Cross Blue Shield Blue Cross Blue Shield
Medical Plan
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GeoBlue Value Plan In Network Coverage Year Limit $1,000,000 Deductibles per Covered Person $500 Coinsurance 20% Out-of-Pocket Maximum per Covered Person $5,000 Hospital Services Inpatient Hospital Deductible, then $50 copay and 20% Outpatient Hospital Deductible, then $50 copay and 20% Emergency Room Deductible, then $250 copay and 20%; copay waived if admitted Urgent Care Deductible, then $75 copay and 20% Routine Services Office Visit Deductible, then $30 copay and 20% Specialist Visit Deductible, then $30 copay and 20% Preventive Care Covered at 100% Prescription Drugs Generic $15 copay Brand Name $35 copay Injectables $70 copay Other Covered Services Emergency Medical Evacuation Maximum benefit up to $100,000 per coverage year Emergency Family Travel Arrangements Up to a maximum benefit of $1,500 for one person Repatriation Maximum benefit up to $50,000 Accidental Death & Dismemberment Principal sum up to $10,000 for insured employee; $5,000 for spouse, $1,000 for child(ren) Global Assistance Services Emergency medical and travel assistance services provided, including coordination of all evacuations and repatriations if needed 4
Introducing Global TeleMD
HEALTHCARE AT YOUR FINGERTIPS
Global TeleMD™ INTRODUCING
At GeoBlue, we know your life can be demanding. With so much to juggle, finding the healthcare you need, when you need it, should be easy. In addition to giving you convenient access to a global network of doctors and facilities, we’ve teamed up with Advance Medical, a Teladoc Health company, to bring you Global TeleMD, a new smartphone app—at no additional cost—that provides confidential access to international doctors by telephone or video call.
HEALTHCARE AT YOUR FINGERTIPS
At GeoBlue, we know your life can be demanding. With so much to juggle, finding the healthcare you need, when you need it, should be easy. In addition to giving you convenient access to a global network of doctors and facilities, we’ve teamed up with Advance Medical, a Teladoc Health company, to bring you Global TeleMD, a new smartphone app—at no additional cost—that provides confidential access to international doctors by telephone or video call.
ALL AT THE TOUCH OF A BUTTON
ALL AT THE TOUCH OF A BUTTON
• Global network of doctors
■ Global network of doctors
■ Medical guidance and consultations (for non-medical emergencies)
• Medical guidance and consultations ( for non-medical emergencies )
Let’s get started
1. Download the Global TeleMD app to your phone
■ Same-day virtual appointments, available 24/7
• Same-day virtual appointments, available 24/7
■ Multiple language options
• Multiple language options
■ Consultation notes sent directly to your phone
2. Create a profile
3. Log in
4. You’re good to go!
■ Prescriptions and referral letters (subject to local regulation)
• Consultation notes sent directly to your phone
• Prescriptions and referral letters ( subject to local regulation )
JUST WHAT THE DOCTOR ORDERED
JUST WHAT THE DOCTOR ORDERED
With Global TeleMD, you can speak to a doctor at a time that fits your schedule without worrying about school, work, holidays or personal commitments. And because your consultation notes are stored securely on the app, they’re ready to share with your primary doctor.
With Global TeleMD, you can speak to a doctor at a time that fits your schedule without worrying about school, work, holidays or personal commitments And because your consultation notes are stored securely on the app, they’re ready to share with your primary doctor .
Need a doctor’s note? Be sure to request a note from the doctor before your consultation ends. The note can be uploaded to the Global TeleMD app.
*Confidential and/or identifiable information which you may discuss with Advance Medical will not be shared with GeoBlue or your employer if applicable (Advance Medical will only share aggregated or deidentified information to help GeoBlue monitor and improve the program and for reporting purposes). However, permission may be asked to review your personal data in the event that you have made a complaint or specific query that you would like to discuss with GeoBlue. GeoBlue will never review your data without your explicit consent. For further information on how Advance Medical processes your personal data please see Advance Medical’s privacy policy https://www.advance-medical.net/privacy.
All of the above services are provided by Advance Medical, part of Teladoc Health, directly to you. GeoBlue assumes no liability and accepts no responsibility for information provided by Advance Medical and the performance of the services by Advance Medical. Support and information provided through this service does not confirm that any related treatment or additional support is covered under your health plan. To discuss the coverage under your health plan, please contact us using the number on the back of your ID card. This service is not intended to be used for emergency or urgent treatment medical questions.
*Confidential and/or identifiable information which you may discuss with Advance Medical will not be shared with GeoBlue or your employer if applicable (Advance Medical will only share aggregated or deidentified information to help GeoBlue monitor and improve the program and for reporting purposes). However, permission may be asked to review your personal data in the event that you have made a complaint or specific query that you would like to discuss with GeoBlue. GeoBlue will never review your data without your explicit consent. For further information on how Advance Medical processes your personal data please see Advance Medical’s privacy policy https://www.advance-medical.net/privacy
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
All of the above services are provided by Advance Medical, part of Teladoc Health, directly to you. GeoBlue assumes no liability and accepts no responsibility for information provided by Advance Medical and the performance of the services by Advance Medical. Support and information provided through this service does not confirm that any related treatment or additional support is covered under your health plan. To discuss the coverage under your health plan, please contact us using the number on the back of your ID card. This service is not intended to be used for emergency or urgent treatment medical questions
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
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TM
GeoBlue: Global. Local. Mobile.
With the GeoBlue® mobile app, world travelers have convenient access to the best local doctors, hospitals and resources anywhere in the world.
FEATURES
■ Search providers for medical, dental, or mental health care and map them using GPS technology*
■ Arrange Direct Pay for future appointments to secure cashless access to care
■ Access issued guarantees of payment to view and share with doctors and hospitals
■ File a claim by entering information or sending a photo of a completed form **
■ Find a medication’s availability, generic name, and local brand name
■ Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation.
■ Display an ID Card on a smart phone and email/fax a copy directly to provider’s office.
■ View country or city profiles on crime, terrorism and natural disasters GET STARTED
Download the app and login using your username and password from geobluestudents com or register as a new user through the app using information from your ID card
* Kindle device does not support mapping options.
** Available for long-term plans only
Questions? Please email customerservice@geo-blue.com.
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GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independentlicensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association. This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
Dental Plan
RELIANCE STANDARD – AMERITAS NETWORK, Classic PPO
In Network Annual Deductibles Individual $50 Family $150 Annual Plan Maximum $1,500 Benefits Type I - Diagnostic & Preventive 100% In / 100% Out Type II - Basic Services 80% In / 80% Out Type III - Major Services 50% In / 50% Out Other Benefits Periodontic Coverage 80% In/ 80% Out Endodontic Coverage 80% In/ 80% Out 7
The dental plan includes preventive services and office visits.
Vision Plan
All standard lenses are covered.
VSP CHOICE
Exam
In Network
$10 Copay
Frequency Every 12 Months
Lenses Covered 100% Single/Bifocal/Trifocal/ after $25 copay
Lenticular
Progressive Lenses Standard covered after $25 copay
Frequency Every 12 Months
Frames $130 Allowance
Frequency Every 12 Months
Contact Lenses $130 Allowance (instead of glasses) Every 12 Months
Lasik Surgery 15% Off Retail or 5% Off Promotional Price
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Your web portal and mobile app
• The one-stop shop for program services, information and more.
Convenient, on-the-go
• Textcoach®
Personalized coaching with counselor on mobile or
Employee Assistance Program
Coming July
1, 2022
Emotional wellbeing and work-life balance resources for you and your family.
Emotional wellbeing and work-life balance resources for you and your family
• Discover on-demand training to boost wellbeing and life balance.
• Find search engines, financial calculators and career resources.
• Explore thousands of articles, tip sheets, self-assessments and videos.
• Animo
Self-guided resources to focus, wellbeing and emotional
• Virtual Support Connect
Moderated group therapy anonymous, chat-based
Support for everyday issues. Every
SupportLinc offers expert guidance to help address and resolve everyday issues
In-the-moment support
day.
SupportLinc offers expert guidance to help address and resolve everyday issues
Reach a licensed clinician by phone 24/7/365 for immediate assistance
In-the-moment support
Financial expertise
Planning and consultation with a licensed financial counselor
Financial expertise
Legal consultation
By phone or in-person with a local attorney
Confidentiality
Legal consultation
Reach a licensed clinician by phone 24/7/365 for immediate assistance.
Short-term counseling
Access in-person or video counseling sessions to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse
Short-term counseling
Access in-person or video counseling sessions to resolve concerns such as stress, anxiety, depression, relationship issues, work-related pressures, or substance abuse.
Planning and consultation with a licensed financial counselor.
Convenience resources
Referrals for child and elder care, home repair, housing needs, education, pet care and so much more
Convenience resources Referrals for child and elder care, home repair, housing needs, education, pet care and so much more.
By phone or in-person with a local attorney.
SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law
Confidentiality
SupportLinc ensures no one will know you have accessed the program without your written permission except as required by law.
Your web portal and mobile app
Your web portal & mobile app
• The one-stop shop for program services, information and more.
■ The one-stop shop for program services, information and more.
• Discover on-demand training to boost wellbeing and life balance.
■ Discover on-demand training to boostwellbeing and life balance
• Find search engines, financial calculators and career resources.
■ Find search engines, financial calculators and career resources
• Explore thousands of articles, tip sheets, self-assessments and videos.
■ Explore thousands of articles, tip sheets, self-assessments and videos.
Convenient, on-the-go support
Convenient, on-the-go support
• Textcoach®
Textcoach®
Personalized coaching with a licensed counselor on mobile or desktop
Personalized coaching with a licensed counselor on mobile or desktop
• Animo
Animo
Self-guided resources to improve focus, wellbeing and emotional fitness
Self-guided resources to improve focus, wellbeing and emotional fitness
• Virtual Support Connect
Moderated group therapy sessions on an anonymous, chat-based platform
Virtual Support Connect
Moderated group therapy sessions on an anonymous, chat-based platform
Support for everyday issues. Every day.
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abuse.
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Life Insurance
BASIC LIFE INSURANCE AND AD&D
International Alliance Group pays 100% of the cost of this LifeShield Group Term Life Insurance Plan
Coverage for each full-time benefit eligible member is $25,000.
Life insurance provides protection for those who depend on you financially. Your need varies greatly due to age, number of dependents, dependent ages and your financial situation. Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident .
HOW IT PAYS
100% benefit amount if your death is the result of an accident, in any year. You also have the option to convert this term life policy into a whole life policy up to age 70
Year 1
If a death is to occur in the first year the benefit payout is 120% of all premiums paid
Year 2
If a death is to occur in the second year, the benefit payout is 20% of the full amount
Year 3
If a death is to occur within or after the third year, the payout is the full benefit amount.
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International Alliance Group pays 100% of the cost of the Term Life and AD&D.
Zero Monthly Cost
International Alliance Group covers the cost of health insurance for our employees. Employees are only responsible for any out of pocket expenses they may incur .
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GEOBLUE VALUE PLAN $0.00 EMPLOYEE MEDICAL PLANS - MONTHLY DENTAL PLAN VISION $0.00 $0.00 EMPLOYEE
Important Phone Numbers & Websites
GeoBlue
www .geobluestudents .com
855.282.3517 (inside the US)
610.254.5304 (outside the US)
International Alliance Group
Monica Sanders
monica@iagusa org
602 .670 .7942
Reliance Standard
800 .497 .7044
Find a Dentist
dentalnetworkpartners ameritas com
Find a Vision provider
www.vsp.com/eye-doctor
SupportLinc
Employee Assistance Program
888 .881 5462
ABOUT THIS BOOKLET
This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible members. While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans.
Capital Financial
14614 N. Kierland Blvd., Suite N230, Scottsdale, AZ 85254
Office / 480.347.0926
Fax / 480.360.6417
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