ITTS offers two choices of Medical Plans through our insurance carrier, Aetna Global Benefits (AGB). You may use any provider you choose. No referral is necessary on either plan, but using an in-network provider will significantly reduce your out-of-pocket expenses. If you receive services from a non-network provider (or outside the US), you may have to pay for services received and file a claim for reimbursement.

The AGB medical plansalso include a variety of valuable tools and resourcesfor you and your family. Be sure to click on the "Guest Access Instructions" link at the bottom of this page and join the "Virtual Employee Meeting" for a tour through the services offered by AGB and helpful tips for navigating the website.

Indemnity Plan

For services received outside the United States, there is no network and all services are covered in full. For services received while you are in the US (or for family members residing in the US), you may use any provider you choose.Annual deductible, co-pay and co-insurance obligations will apply to services received in the US. For a summary of plan benefits and out-of-pocket expenses, please view the Indemnity Summary.

Plan Benefits

·  Preventive Care - Our goal is to keep you healthy. Aetna Global offers preventive care benefits to help uncover potential problems before they affect your health.

·  Emergency Care - No matter where you travel worldwide, you are covered for emergency care.

·  Claims - Participating or Non-Participating providers can submit claim forms on your behalf, however, non-network providers may require you to pay for services and submit your claim to Aetna for reimbursement.

·  Emergency Assistance - Aetna Global Benefits provides you with emergency assistance.

CatastrophicPlan

This is a highdeductible, PPO plan that does not provide dependent coverage. This plan has a $10,000 annual deductible. This low cost health insurance is designed to provide a safety net for employees who may not feel they need a more comprehensive insurance plan, but want to know their financial limits should they experience a catastrophic event that results in extensive medical bills.

This plan also provides coverage for annual physicals, gynecological and prostrate exams that are 100% covered if care is received outside the US, and $20 per visit with an in-network provider for care received in the US. In addition, this plan offers20% co-insurance on all prescription drugs. For a summary of plan benefits and out-of-pocket expenses, please view theCatastrophic Summary.

To help you effectively plan your budget, the Medical Insurance Premiums document shows your monthly and per check deductions for each medical plan.

The Guest Access Instructions provides you the opportunity to search for network providersin your area and view other plan highlights.