Knowledge Base – Talent Trust

Question: How do I connect with Talent Trust?

Answer:  Here are the ways to connect with Talent Trust

• Email: [email protected]
• Skype: ttc.insurance
• Phone / WhatsApp: +60(11)1051-2677
• You will need your Policy number PXXXXXXXXX or Certificate number TTc-XXX-XX-XXXXX-XX

Question: How do I connect with my insurance provider?

Answer:  Here are the ways to connect with your insurance provider

• All +353-1907-5903 or +1(877) 499-4809
• You will need your Policy number PXXXXXXXXX (The TT policy number won’t work except for calls to Talent Trust.

Members are required to obtain prior approval (pre-authorization / pre-certification) from your insurance company at least 5 working days before commencing the following treatments or procedures:

Planned in-patient or day-care treatment (hospitalization), including:

1. Diagnostic tests.
2. Any pregnancy or childbirth treatment.
3. Planned outpatient surgery.
4.  Reconstructive surgery.
5. Kidney dialysis.
6. Emergency Medical Evacuation.
7. Psychiatric treatment (in-patient and day-care).
8. Nursing at home or in a convalescent home. 
9. PET and CT-PET scans.
10. Oncology.
11. Repatriation of mortal remains or burial expense.
12. Prescribed occupational therapy.
13. Accommodation cost for parent when minor is hospitalized

Question: How does the pre-certification / pre-approval process work?

Answer:  Here are the steps:

1. Check if your treatment is covered on your Talent Trust expatriate policy. 
2. Fill in the insurance company treatment guarantee form (pre-approval) Download the treatment guarantee form by click “here” .
3. This form must be fully completed by you and your physician. 
4. Send the completed form to [email protected] for approval at least 5 working days before your planned treatment
5. Response from your insurance company will be within 24 hours receiving your fully completed form.
6. Your insurance company contacts your medical provider directly to arrange settlement of your bills. 

Here are what your forms are for:

• Medical claim form – When you have paid for medical treatment and require reimbursement
• Treatment Guarantee form – To pre-authorize planned treatments
• Travel claim form – To make a claim for non-medical travel related costs

Claims process =

1. Fill out the claim form – click “here” for the claim form 
2. Scan all relevant documents such as invoices, bills, receipts, medical reports and etc.
3. Send documents to Talent Trust at [email protected]
4. Talent Trust will triage and send to the insurance company. 

If there are any missing information, Talent Trust will connect with you. Claim submission will be processed within 5-20 working days.

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5. Employer Insurance: “In-Network” Benefits 101

Question: What do I do in an emergency situation?

Answer:

Step 1 – immediately get the emergency treatment you need.

Step 2 – if you are hospitalized, either you, your doctor, or one of your dependents, or a colleague needs to call your insurance 24/7 helpline within 48 hours of the emergency to inform Talent Trust of the hospitalization.

Step 3 – Your insurance company can take the treatment guarantee form (pre-certification / pre-authorization) details over the phone when you call your insurance company.  Your insurance company 24/7 helpline is +353-1907-5903 (Ireland number) or +1(877)499-4809 (U.S. toll free – free on Skype)

FINAL THOUGHT: Always have your ID card handy with your ID number which begins with P

Questions when using U.S. networks:

Question: When asked what insurance do we have, do I answer Alz (as is on the card), Omega Plus (that I don’t see listed anywhere?), Aetna (as listed under the PPO) or Talent Trust? This medical clinic was not familiar with Alz, as is on the card.

Answer: Alz. has recommended that members tell medical providers the insurer goes through Global Excel. They use an Electronic Claims Payer ID of 65074.

You can also search online here: https://aetna.com/dsepublic/#/contentPage?page=providerSearchLanding&site_id=passport Aetna’s Passport PPO.

Question: Is there a U.S. phone number that providers in the U.S. can contact?

Answer: Providers can contact +1 (800) 541 1983, and Global Excel can then verify everything and confirm the medical network a member has access to. They use an Electronic Claims Payer ID of 65074.

Question:  When I go to look for a provider in network it requests a selection of a plan. Do I understand correctly that we are in the Passport to Healthcare network?

Answer: Yes, Talent Trust plans are in the Passport to Healthcare network.

Additional comments:

Alz. also recently informed us that members could look for a provider online at https://azc.globalexcel.com or call +1 (800) 541 1983.

Talent Trust recommends that members call Global Excel and have them reach out to the provider. They can arrange the appointments and ensure billing is working correctly.

Question: How long does it usually take for my claims to be paid?

Answer: Most claims are paid within 15 business days of receipt. In 2020 85% of claims were processed within 5 days.

Question on paying for Rx in the U.S.

Answers:

• If paying yourself, TT members have access to this pharmacy discount card http://www.rxprintacard.biz/private-label/enroll-now?account=93.
  • Another discount option is through https://costplusdrugs.com; they can deliver medications directly in the USA.
  • Find the most cost-effective option and pay for your prescription out of pocket. 
  • Then send the invoice or payment receipt with a copy of the prescription, to your account representative at TT and they will put this amount to your account.  If your deductible has been met, you will then get reimbursed by TT.
• If your Rx is $1,000 or more, please reach out to your dedicated agent / account representative at TT by email.
  • Please include the Rx name and dollar amount with any other information you may have about the requested Rx.
  • TT will work with your insurance company and they will inform you of the next steps.
  • Do realize this will take an average of 5-10 business days once you send your email to your account representative at TT.

Question:  Which doctors or hospitals may I use?

Answer: If you are outside the USA, you can go to the hospital or doctor of your choice. In the USA, you can seek treatment within this network – Network of Approved Providers.