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Frequently Asked Questions:
  1. What is an Excess?
  2. What is the difference between an Excess and a Deductible?
  3. Please can you give me an example of how the policy excess works?
  4. What is Co-Insurance?
  5. What is covered by my TTc policy?
  6. Which hospitals can I use?
  7. Am I covered if I travel away from my country or area of residence?
  8. Will the pregnancy benefits cover a Caesarian Section and evacuation to the nearest capable hospital if that is prescribed?
  9. How does your program differ from a Short-Term / Travel policy?
  10. How do I submit a claim?
  11. How long will it take for my claim to be paid?
  12. Can my insurance pay my medical provider directly?
  13. How do I request a "direct settlement"?
  14. How do I obtain pre-authorisation for treatment like a planned in-patient surgery or an MRI scan?
  15. How do I fill a prescription?
  16. Can the emergency air-ambulance flights get into such places as Afghanistan or Cambodia?
  17. Who is eligible for cover by Talent Trust Consultants?
  18. Is there a limit to the number of days that a person can be resident in their home country?
  19. Do I need to have a medical examination before enrolling?
  20. How quickly can I be covered?

 



  1. Q: What is an Excess?

    A: The amount payable by a member for expenses incurred before any benefits are paid by the policy. A policy excess is applied for each new medical condition.

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  2. Q: What is the difference between an Excess and a Deductible?

    A: A deductible is normally applied once per policy year and will be applied for all bills that year. All claims that you make in a policy year will go towards meeting your deductible. An excess is applied against each medical condition. Each new condition will have its own excess that will need to be met before the policy will begin to cover expenses. In the case of a condition that spans 2 or more policy years, the excess will only be applied once.

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  3. Q: Please can you give me an example of how the policy excess works?

    A: In the event that a member broke their leg, all treatment associated with that broken leg, including setting the bone, putting the leg in a cast, doctors visits, rehabilitation, any medication for pain or infection, etc. would be classed as being associated with that one condition, and so one excess would be applied, so the member would pay their excess, and the insurance would pay for all other eligible treatment as defined in the policy legal wording. If the member subsequently had appendicitis and had to have his appendix removed, this would be classed as an unrelated condition to the broken leg, and all treatment associated with this condition would have a new excess applied to it, and once this was paid all eligible treatment would be covered by the policy.

    The only exception to this is for treatment within the United States, where a co-insurance will be applied against claims that is undertaken within the United States.

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  4. Q: What is Co-Insurance?

    A: Co-insurance describes the cost sharing between a member and the insurance company, co-insurance refers to the percentage of a covered medical expense that the insurer and the member must pay. Under this policy, if a member requires treatment within the United States he or she will be liable for 20% of medical charges after the excess, up to US$5,000.

    Treatment within the United States that is not undertaken within the Preferred Provider Network will be subject to a 40% co-insurance and will not be subject to the co-insurance limit.

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  5. Q: What is covered by my TTc policy?

    A: Your Policy Legal Wording contains complete details on your covered benefits. Please refer to this document for specific information about your benefits. If you are still unable to find answers to your questions, please contact us. To see the current policy wording for Alpha please click here. To see the current policy wording for Omega please click here. Please note that depending on when you started your policy, there may be slight variations between the policy that you signed up to and the current policy wording.

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  6. Q: Which hospitals can I use?

    A: Outside of the United States there are no restrictions, but we do ask members to be prudent and bear in mind the costs when selecting their medical provider. Within the United States it is imperative that one of Aetna's PPO network facilities be used. Therefore, we suggest you enquire as to the most suitable facility when seeking pre-authorisation from the medical Helpline. For a current list of the approved PPO facilities within the United States, please visit the PPO Network area of our website.

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  7. Q: Am I covered if I travel away from my country or area of residence?

    A: Yes, both the Alpha and Omega policies cover members worldwide. However, please note that the Alpha policy will only cover a member within the United States up to 60-days or US$50,000, whichever comes first, for new medical conditions that have started within the United States.

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  8. Q: Will the pregnancy benefits cover a Caesarian Section and evacuation to the nearest capable hospital if that is prescribed?

    A: Yes, an emergency caesarian section would be covered as would evacuation to the nearest capable hospital, in the event of emergency treatment not being readily available at the place of the incident for the purpose of admission to a hospital as an in-patient or Day-patient. All related medical costs would, however, be limited to a total of US$15,000 under the Complications of Pregnancy benefit. Likewise, any travel or accommodation costs (outside a member's country of residence), if necessary, would fall under the Evacuation benefit.

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  9. Q: How does your program differ from a Short-Term / Travel policy?

    A: If you are a full-time missionary, or planning on going into missions full time, TTc recommends that you choose one of our long-term programs rather than opting for a short-term program. Other insurers may sell you a short-term policy that you can renew every 12 months, but TTc will not do this, as we feel that this exposes you to a large hidden risk.

    Short-term policies are usually cheaper; the main reason for this is that they do not offer continuous coverage. Continuous coverage means that if you have a condition in one policy year, you will still be covered for that condition in the next year. Because a short-term policy does not have continuous coverage, should you contract a condition that could span two or more periods of cover, as soon as your current policy expires, you will not be covered for that condition. Worse, it may mean that you are completely uninsurable going forward, depending on the condition you have.

    This is why if you are a full-time missionary and you do not already have some form of long-term cover either through another policy (parent, employment or other) or through a government funded health service, TTc recommends that you use one of our long-term programs.

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  10. Q: How do I submit a claim?

    A: Claims should be accompanied by a claim form and itemised receipts and can be submitted via email. For more details on how to submit a claim please click here.

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  11. Q: How long will it take for my claim to be paid?

    A: On average, claims are paid within 15 business days of the date the claim is received.

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  12. Q: Can my insurance pay my medical provider directly?

    A: Aetna can provide direct settlement to hospitals and other medical facilities to help members manage their up-front out-of-pocket expenses for higher-cost treatments in the following circumstances:

    Treatment outside of the United States: Out-patient treatment costing US$1,000 or more, day-patient, and in-patient treatment.

    Treatment inside of the United States: All eligible treatment received within Aetna's Preferred Provider Network.

    This means that your out-of-pocket expenses may be reduced because Aetna would pay the facility directly for covered expenses and you would generally only be responsible for any excess and/or co-insurance in accordance with your plan of benefits. Please note that in some remote locations some medical providers may not accept direct settlement by Aetna.

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  13. Q: How do I request a "direct settlement"?

    A: You can arrange a direct settlement by contacting the Member Services number shown on Emergency page.

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  14. Q: How do I obtain pre-authorisation for treatment like a planned in-patient surgery or a CT scan or a MRI scan?

    A: You can arrange pre-authorisation for treatment by contacting the Member Services number shown on Emergency page.

    For more information on medical treatment that would require pre-authorisation, please click here.

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  15. Q: How do I fill a prescription?

    A: You may visit any pharmacy to have your prescription filled. You will be required to pay for your prescription at the point of service and then submit a claim for reimbursement.

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  16. Q: Can the emergency air-ambulance flights get into such places as Afghanistan or Cambodia?

    A: Yes, an air-ambulance flight can normally get into these countries. However, the emergency assistance company (see Emergency page) would have to obtain permission from the local aviation authority to land. If this posed too much of a problem, then a local air charter company would be used to evacuate a patient. Therefore, please ensure that the emergency assistance team is fully informed so that they will be able to make all the necessary arrangements.

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  17. Q: Who is eligible for cover by Talent Trust Consultants?

    A: TTc can cover anyone who is in full-time church or mission service. We recognise that some people may travel to certain countries that require them to be there under an alternate capacity. You are eligible for cover as long as your focus is to fulfill the Great Commission.

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  18. Q: Is there a limit to the number of days that a person can be resident in their home country?

    A: No, however, please note that the Alpha program will only cover a member within the United States up to 60-days or US$50,000 maximum, whichever comes first.

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  19. Q: Do I need to have a medical examination before enrolling?

    A: No.

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  20. Q: How quickly can I be covered?

    A: We are usually able to confirm a member's cover within 2 working days, upon receipt of a member's details. Please note, we start a member's coverage ahead of their premium receipt and ask that you refer to the Payment areas of our website to understand how we operate on a trust basis.

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