Cigna Global Plan for Retirees FAQS
International Coverage Options
Retirees or other Humana eligible individuals Medicare or Non-Medicare eligible, currently enrolled in MSU health care, living abroad (versus just traveling) with an international permanent and/or mailing address on file with MSU. Note: effective 01/01/2021 BCBSM is no longer an option for Retirees or other Medicare eligible individuals not actively working.Also, individuals participating in MSU health care that continue enrollment with Humana in 2021 traveling abroad, may also wish to research this plan for additional coverage.
You have the option to convert your current coverage to an individual plan through BCBSM. To do so, you must apply for coverage within 60 days of losing coverage by contacting 313-256-2712 or ILapsley@bcbsm.com. Again, this is the purchaser’s decision, and that individual is responsible for 100% of the cost.
General Coverage Information
Humana Group Medicare Advantage PPO Plan
A 20% co-insurance for emergency services outside the U.S., Puerto Rico and the US Virgin Islands after $100 deductible. Benefit is limited to $250,000 each plan year or 60 consecutive days, whichever is reached first. Benefit does not apply to combined annual deductible or combined annual out-of-pocket maximum.
Members would be required to pay for the services received and submit a claim to Humana for reimbursement along with proof of payment and any medical information or records available from the provider. The charges will be converted to US currency and reimbursed to the member. Please check with Humana on coverage limits.
Humana MSU Non-Medicare PPO Plan
Emergency care received while traveling outside the U.S. or taking a cruise is covered. Members would be required to pay for the services received and submit a claim to Humana for reimbursement along with proof of payment and any medical information or records available from the provider. The charges will be converted to US currency and reimbursed to the member under the out-of-network benefits after first applying either the $50 emergency room co-payment or the out-of-network deductible of $500 and 20% member co-insurance depending on service rendered. Please check with Humana on coverage limits.
If living outside of the U.S you should research international health insurance and prescription drug coverage options. Coverage under the Humana Group Medicare Advantage PPO plan and the Humana MSU Non-Medicare PPO are for individuals who reside in the USA, Puerto Rico, and the U.S. Virgin Islands, per the provisions of the plan.
That depends, first to be automatically enrolled in a Humana plan, you must currently be enrolled in a health care plan and NOT have an international permanent or mailing address. If you meet the above, you will be automatically enrolled and it is your choice to decide to stay in or opt-out.
Individuals enrolled in the Humana plans may contact customer service Monday-Friday 8:00 a.m. to 8 p.m., EST as follows: Humana Customer Care: 1-800-273-2509 (TTY: 711).
Generally, Medicare does not usually cover health care while you are traveling outside of the U.S. and the territories listed above. There are some exceptions. Contact information for Medicare is as follows:
Medicare: 1-800-633-4227 or Social Security Administration: 1-800-772-1213