Pacific Prime Clients with Aetna to See Improved Medical Insurance Benefits

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On October 1, Pacific Prime clients with Aetna's "International Healthcare Plan for Individuals and Families" will see changes to medical insurance premiums, benefits, and exclusions.

Pacific Prime

Pacific Prime

For in-patient care, diagnostic procedures for reconstructive surgery and rehabilitation are expanding to include pathology tests, ultrasound scans and x-rays.

Pacific Prime clients with the “International Healthcare Plan for individuals and families” from Aetna International will soon be seeing changes to their plan, effective 1 October 2013. Benefits will be improved, medical insurance premiums will increase 10.71%, and several changes will be made to the exclusions for mother and child cover.

With the rising cost of medical treatment worldwide, Aetna has improved several of its benefits.

For in-patient care, diagnostic procedures for reconstructive surgery and rehabilitation are expanding to include pathology tests, ultrasound scans and x-rays. For rehabilitation to be covered, it now only needs to be recommended by a medical practitioner, whereas before, a specialist was required.

Treatment received in an accident and emergency ward of a hospital or dental clinic will extend from 7 days to 10 days of incurring accidental damage to 'sound natural teeth'.

The routine pregnancy benefit, however, will no longer include costs incurred for the care of the baby for the first 24 hours following birth. This benefit will now only include costs for routine neo natal care and new born packages. The newborn must also be enrolled as a member of Aetna within 30 days after birth in order to be eligible for any benefits after the first 24 hours.

Several of the exclusions will also be affected with this update.

One such change is the removal of “hereditary medical conditions” from the congenital anomalies' exclusion list.

However, the weight loss or weight problems exclusion will now include bariatric procedures, diet pills or supplements, health club memberships, diet programs and treatment in a residential treatment facility for eating disorders.

Another addition to the exclusion list is infant formula given orally that can be purchased without prescription.

The premium on the plan has increased 10.71%. However, if clients pay their premiums annually instead of monthly, they will enjoy a 6% discount.

To read more about the changes to Aetna's International Healthcare Plan, visit http://www.pacificprime.com/resources/news/2013/09/27/aetna-international-healthcare-plan/.

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Neil Raymond
Pacific Prime
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