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Knowledge Base – Talent Trust

Your Talent Trust Group Insurance Information

Table of Contents

1. Member Portal, Pre-certification and Claims
2. Understanding Your Talent Trust Expat Insurance Benefits and  Understanding your Explanation of Benefits (EOB)
3. Using your Global U.S. and Global Medical Network, Emergency Medical Evacuation
4. Preventative Benefits, Maternity, and other insurance Benefits

Welcome To Your Talent Trust Expatriate Medical Insurance

Your Talent Trust expatriate plan is exclusively for you and your family, the global faith-based worker.  Your Alpha plan will cover you globally with limited coverage in the U.S. and your Omega plan will cover you globally with full coverage in the U.S.  Your international medical insurance comes with incredible benefits including emergency evacuation, telehealth coverage, a vast international network, and self-service through the exclusive member portal. 

On this page you will find information about your member portal, benefits, claims, your GNI team, and much more. This knowledge base was developed specifically to help you navigate your insurance and make the most of your benefits.

Please do not forget to bookmark this page so you can easily reference the answers to all of your future Talent Trust expat insurance policy questions.

GNI Contact Information

Your Group Insurance Advisors: Karen, Kirk, & Doug.

telephone icon 480-813-9100
envelope icon groupservice@gninsurance.com (attn: Doug)
building icon 690 E Warner Rd Ste. 117   Gilbert, AZ 85296

Member Portal, Pre-certification, and Claims

Taking advantage of your Talent Trust expat insurance has never been easier! With quick online and mobile access through your member portal, you can submit claims, get pre-certified, talk to doctors, request payments and much more. Your member portal will allow you to:

  1.  View your claims
  2. Access your insurance company
  3. Find medical providers in the U.S. and throughout the world
  4. Look up local Rx equivalent names of brand drugs
  5. and so much more.

You can download the AllianzMyHealth mobile app too by in the Google Play or the Apple Store.

Member portal (Link 1)

Member portal (Link 2)

Pre-approval form – (called Treatment Guarantee Form on the attachment)

Medical claim form

 

Question: How do I connect with Talent Trust?

Answer:  Here are the ways to connect with Talent Trust

  • Email: info@talent-trust.com
  • 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

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” .
    This form must be fully completed by you and your physician. 
  3. Send the completed form to tt.medical@allianz.com for approval at least 5 working days before your planned treatment
  4. Response from your insurance company will be within 24 hours receiving your fully completed form.
  5. 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 claims@talent-trust.com
  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.

Videos

  1. How does my deductible work?
  2. Why is my deductible higher in the U.S.?
  3. 7 important things you can do in your overseas insurance portal
  4. Top 5 things to remember when you start your international employer medical group insurance

Key Notes

  1. Do I need to pre-certify before a hospital admission or surgery?
  2. What deductible levels actually mean on your insurance
  3. What exactly is an out-of-pocket maximum on my insurance?

Understanding Your Talent Trust Expat Insurance Benefits and Understanding your Explanation of Benefits (EOB)

Although you should have received policy (information/documents) once your Talent Trust policy became active, one of the (easiest/best/quickest) places to find information about your policy benefits is through your member portal.

At times, the Explanation of Benefits (EOB) form may be confusing to read. We also get a tad confused, even with 27 years of serving global faith-based works on their global employer medical insurance. A lot of the confusion stems from the many different abbreviations each international insurance company uses. If this occurs, feel free to reach out to Talent Trust or us here at Good Neighbor Insurance.

Question: When should I call Talent Trust?

Answer: Here are reasons to connect with Talent Trust directly

  • Help with a claim
  • Providing a medical facility or government agency proof of insurance
  • Checking your benefits and limits
  • Or any other questions and request you may have.

 

Question: When should I call my insurance provider?

Answer: Here are reasons to connect with your insurance provider directly

  • Assistance in an emergency
  • Letting a medical facility know you are covered
  • Arranging direct payment to a medical facility
  • Arranging or-pre-authorizing treatment at a medical facility
  • An emergency medical emergency
  • Access to the Talent Trust Expat Assistance Program

Claiming deadline: Please submit all claims no later than 6 months after your medical invoice date.

Claim Submission: You must submit a separate claim for each person claiming and for each medical condition being claimed for.

Supporting Documents: When you send Talent Trust copies of supporting documents (e.g. medical receipts), please make sure you keep the originals. Talent Trust has the right to request original supporting documents/receipts for auditing purposes up to 12 months after settling your claim.

  1. Understanding my Explanation of Benefits
  2. How to understand what I owe on my explanation of Benefits

Videos

  1. What does Cross-Accumulate Deductible Mean?
  2. What is covered and what is not?
  3. What Does “Co-Insurance” Mean?
  4. Part 1 of 2 – Your out-of-pocket maximum
  5. Part 2 of 2 – Your out-of-pocket maximum
Understanding how to submit an insurance claim

Key Notes

If in doubt, pre-certify.

Using your Global U.S. and Global Medical Network, Emergency Medical Evacuation

The first and best way to find your global medical network and also your U.S. medical network is to go online to your web portal at  https://www.allianzcare.com/en/myhealth-online.html.

Make sure you have your e-membership card with your policy number which starts with a “P”.  This information will be important when you connect with your pharmacy and medical providers.

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)

 

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. 

 

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.

 

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.

Videos

  1. Part 1 of 3 – Two key medical insurance network models
  2. Part 2 of 3 – Some key differences in comparing your medical networks
  3. Part 3 of 3 – How does my U.S. and international medical network stack up to others?
Your deductible

Key Notes

  1. Understanding your international emergency medical evacuation benefits
  2. This one vital thing just may save your life while overseas; your medical emergency evacuation benefit
  3. Hi have a medical emergency! Who do I call on my employer insurance?

Preventative Benefits, Maternity, Newborns and other insurance benefits

Talent Trust has extra benefits for you that go well beyond your global medical insurance benefits.  Here are the list of ministry – life benefits for you to enjoy:

  • Virtual Healthcare – telehealth to connect with an approved doctor 24/7.
  • SecuriTT – global security advice, planning and alerting
  • RightNow Media @Work – a faith-based video library designed to help you thrive in every area of life
  • TT Gives Back – Talent Trust support members and their missions by giving back a portion of their income
  • Expat Assistance Program – Access therapists, counselors, coaches, lawyers and many other services to help you thrive in the field.
  • Talent Trust tithes 10 percent of their income into a discretionary Mercy Fund to cover things that fall outside of the scope of their insurance policies.
  • Thrive Together – Group coaching on topics such as navigating transitions, language learning, support raising, and more.
  • FiTT – Maintain and improve your fitness – so you can bring more of yourself to your ministry.

Question:  What is the difference between an excess and a deductible?

Answer:  A deductible is 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.

Deductible: 1 per person per policy year / Resets each policy year / Multiple conditions in a policy year fall under a single deductible.

Excess:  1 per person per condition / Resets each new condition / Conditions that go over multiple years fall under a single excess

Here is an example of how the policy excess works: 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, doctor 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. The member would pay their excess, and the insurance would pay for all other subsequent eligible* treatment. 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**.

* as defined in the policy legal wording

** Note, treatment in the USA may incur an additional 20% co-insurance.

Question: Will my pregnancy benefits cover a caesarian section and an evacuation to the nearest capable hospital if that is prescribed?

Answer: Yes, an emergency caesarian section is covered, as is evacuation to the nearest capable hospital, in the event of appropriate medical treatment not being available where you are.

 

For free Preventative benefits, have your exams, tests, and labwork done either overseas or in the US. If out of network in the US, these will be subject to the deductible and co-insurance, likely meaning you will pay for everything.

  1. Dealing with out-of-network expenses on a group medical plan

 

You and your children are eligible for wellness visits and routine screenings once every 12 months. Please take advantage of these benefits. These are meant to catch serious illnesses in the early stages so that treatment has the best outcome

Videos

  1. Difference of an Annual Preventative vs. Sick Benefits 
  2. Understanding preventative coverage
  3. Does your global group plan offer telehealth benefits?
  4. Do I have vision benefits on my international employer group medical insurance?

Key Notes

  1. Telehealth and Telemedicine on expatriate insurance
  2. General information on pre-certification