Aetna MHP Offers World Class Private Medical Insurance
Aetna's Mobile Healthcare Plans are your solution to comprehensive health and wellness coverage. They offer two plans tailored to the Americas and Canadian expatriates living or working abroad, MHP Classic and Exclusive. Each plan has worldwide coverage and a $4 million annual coverage maximum per person. MHP Classic is full of quality healthcare benefits, such as maternity, dental, and coverage for subscription drugs, all at a reasonable price. MHP Exclusive offers the same benefits and services within the Classic plan but at a more comprehensive level. Whichever Mobile Healthcare Plan you choose, Aetna will take care of all your needs.
Aetna International has provided international medical insurance to expatriates, local nationals, and business travelers for more than five decades. Their comprehensive global medical network includes 1.2 million medical providers in the U.S. and another 165,000 worldwide. Aetna works closely with its members to help them achieve health goals and live a better life.
Aetna Mobile Healthcare Plan Highlights
Interested in purchasing an Aetna Mobile Healthcare Plan?
Contact one of our insurance brokers by requesting a quote.
MHP Benefits
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Area of cover | Worldwide | Worldwide |
| Policy maximum | $4,000,000 | $4,000,000 |
| Coinsurance | 80% | 100% |
| Coinsurance limit | $1,000 | N/A |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Inpatient | 80% | 100% |
| Room rate | Private | Private |
| Parent accomodation | 80% | 100% |
| Reconstructive surgery | 80% | 100% |
| Inpatient psychiatric treatment | 80% | 100% |
| Alcohol and drug abuse treatment | 80% | 100% |
| Organ transplant | 80% | 100% |
| Rehabilitation | 80% (Up to 120 days) | 100% (Up to 120 days) |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Outpatient treatment | 80% | 100% |
| Outpatient surgery | Private | Private |
| Diagnostic treatment | 80% | 100% |
| Oncology treatment | 80% | 100% |
| Alternative therapies | 80% | 100% |
| Outpatient psychiatric treatment | 80% | 100% |
| Outpatient alcohol and drug abuse treatment | 80% | 100% |
| Hormone replace therapy | 80% (Up to 18 months per lifetime) | 100% (Up to 18 months per lifetime) |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Routine checkups | 80% (Up to $250) | 100% (Up to $250) |
| Colorectal screening | 80% (Up to $2,500 per screening) | 100% (Up to $2,500 per screening) |
| Routine pregnancy and childbirth | 80% (Up to $5,000 for normal birth; and up to $9,500 for c-section) | 100% |
| Complications of pregnancy | 80% | 100% |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Accidental damage to teeth | 80% | 100% |
| Dental treatment | N/A | 75% (Up to $1,500) |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Ground ambulance | 80% | 100% |
| Evacuation | 80% | 100% |
| Additional travel expenses | 80% | 100% |
| Mortal remains | 80% (Up to $10,000) | 100% (Up to $10,000) |
| Classic Coverage | Exclusive Coverage | |
|---|---|---|
| Convalescent care | 80% (Up to 120 days) | 100% (Up to 120 days) |
| Home health care | 80% (Up to 120 days) | 100% (Up to 120 days) |
| Inpatient hospice care | 80% (Up to 30 days) | 100% (Up to 30 days) |
| Outpatient hospice care | 80% (Up to $5,000) | 100% (Up to $5,000) |
| External prosthesis | 80% | 100% |
| Ancillary expenses | 80% | 100% |
| AdviceLine | Included with your plan | Included with your plan |
| ActionResponse | Included with your plan | Included with your plan |
| VHealth | Included with your plan | Included with your plan |
CARE and Wellness Bundle
Aetna's Care and Response Excellence (CARE) team is comprised of expert clinicians available 24/7. They will help you find the right doctor and health facility, coordinate routine and urgent care, help you receive medication, and give a second medical opinion if necessary. The Aetna Mobile Healthcare Plans also offer a bundle of wellness programs to help with your physical and mental health.
Interested in purchasing an Aetna Mobile Healthcare Plan?
Contact one of our insurance brokers by requesting a quote.
Aetna Mobile Healthcare Plan Rate Estimates
Aetna International determines your Aetna Mobile Healthcare Plan premium on a monthly or annual basis. If you pay annually, you will receive a discount on your total premium cost. Your premium cost is dependent on which Mobile Healthcare Plan you choose, your area of coverage, your age, optional add-on benefits, pre-existing conditions, and the number of people insured under your policy. Find out your plan rate by requesting a personalized quote from one of our insurance brokers.
We have provided monthly and annual rate examples for both Aetna MHP plans below.
*The rate examples above are based on a 35-year-old individual with a USD 1,000 deductible. A range of deductible options is available from $0-$10,000.
Managing Your Premium Cost
Aetna MHP offers deductibles for the Classic and Exclusive plans. The deductibles range from $0 to $10,000. Choosing a high deductible will keep your premium cost down, but you will pay more out-of-pocket. A low deductible will do the opposite and raise your premium cost, but you will pay little to none out-of-pocket. All deductibles are paid directly to the medical provider from which you received treatment.
Aetna MHP Eligibility
The Aetna Mobile Healthcare Plan tailors to the needs of citizens of the Americas and Canada living anywhere in the world. You cannot live in your home country and receive coverage for an excessive amount of time without the threat of plan termination.
Aetna MHP requires policyholders to be no less than 18 and at most 65 years of age. Applicants who turn 65 after the time of application or during their plan year are still eligible for renewal.
Aetna MHP does not cover pre-existing conditions unless it is declared a material fact at the time of application.
Aetna MHP FAQs
Yes, you can add your spouse or partner and children under the age of 18. You can cover children 18-23, but you must show proof they are in full-time education.
No, Aetna only requires you to take a simple healthcare questionnaire.
Aetna will only cover pre-existing conditions after 2 years of continuous coverage, provided that you have had no symptoms, treatment, or medication for the condition.
Yes, Aetna MHP covers you worldwide, whether you travel for business or pleasure.
Yes, Aetna MHP allows policyholders to seek treatment in any country.
Your Mobile Healthcare Plan will start after your application is processed by Aetna. The application process takes about 5 days and if Aetna has any questions about your application, they will contact you.
Yes, you can cancel your coverage up to 30 days after the start of your plan. Aetna will arrange a full refund of any premium paid if you have had not made any claims within the 30 days. You must write to Aetna directly to cancel your coverage.
Interested in purchasing an Aetna Mobile Healthcare Plan?
Contact one of our insurance brokers by requesting a quote.
