Accessing Overseas Treatment
Choosing Treatment Abroad:-
Members wishing to receive medical treatment abroad would first have to be referred by his/her attending physician (who should be a Specialist in the relevant field) and one other physician appointed by Colonial Life, to determine that such treatment is medically necessary and unavailable locally.
If overseas treatment is not pre-certified or the treatment and services are available locally, then claims will be processed as if the services had been performed locally.
There are two options that are available to obtain treatment abroad:
- Global Excel offers 24-hour service to members including locating the nearest treatment facilities in the event of an emergency or non-emergency situation. For non-emergency hospitalization, arrangements (which have been duly authorized) may be made via Global Excel for direct payment to the provider up to the Plan’s limits. Charges in excess of the Plan’s limits will be the responsibility of the patient.
- Health Administration Services (HAS) is a locally based medical case management services provider specializing in Central and South America.
Colonial Life would advise on the potential liability of the plan’s benefits engaging the services of its business partners, Global Excel or HAS, to seek discounts of the patient’s behalf.
However, note that patients will be responsible for ALL outpatient charges, but will be entitled to make a claim.
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