International plans can be complicated and employers have unique needs when it comes to their employees who are traveling in and out of the U.S., or employees stationed oversees.  Some medical plans include travel assistance programs that are designed for short term traveling but international group plans are designed for companies that have employees living permanently outside the U.S., or that have employees that travel frequently from country to country, and need a fully insured plan to take care of them outside of the U.S.

Many of the same considerations are taken into account when designing an international group plan that are considered in designing a domestic plan.  Cost, benefit, reimbursement rates, networks, etc. all play a part in plan design.  In some circumstances, companies may be better off buying individual travel plans for specific travel needs.  It is best to consult a B. Wood Insurance broker to see what will fit your company best.

B. Wood Insurance has contracted with IMG (International Medical Group) to handle our international group plans.  While designs vary, we can incorporate them with your plan here in the U.S. to fit your benefit and fiduciary criteria.  These plans include, but are not limited to, all of the following types of coverage:

  • Catastrophic medical coverage
  • Wellness
  • Physician services
  • Emergency services
  • Maternity
  • Physical therapy
  • Chiropractic
  • Vision
  • Dental
  • Prescription drugs
  • Transplants
  • Intensive care

There are many things to consider and rates vary based on where an employee lives.  U.S. and Canada share a rating area, and international rates are different.  CLICK HERE to contact a B. Wood Insurance broker today.