WellAway® builds robust international insurance products that make it easy for expats to stay healthy and safe. The comprehensive health coverage is paired with white-glove ConciergeCare service that delivers reliable member support and is available in more than 180 countries.

WellAway® products include Obamacare (Affordable Care Act) compliant health plans for US bound expats and health plans with worldwide coverage.

As part of the WellAway commitment to keep expats healthy and safe, all products include emergency medical evacuation and repatriation. Members can further enhance their coverage with personal protection products that include: life and disability, kidnap and ransom, and terrorism.

WellAway Limited is a Bermuda-based business founded in 2015 by healthcare innovator Griselle Chernys.

Coronavirus (COVID-19) Update:

WellAway Limited COVID-19 Frequently Asked Questions

WellAway Limited follows guidance from: the USA Centers for Disease Control (CDC), the USA Food and Drug Administration (FDA), the World Health Organization (WHO), the European Medicine Agency (EMA) and the World Trade Organization (WTO). In the USA, we have adopted the Families First Coronavirus Relief Act (FFCRA) and the CARES Act, along with guidance from the Centers for Medicare & Medicaid (CMS). In other parts of the world, the guidance of the applicable regulatory authorities, countries or regions are followed and adopted. In accordance with the above guidance, we are providing coverage without cost sharing for medically necessary diagnostic testing (PCR or antigen) of patients ordered or administered by a healthcare provider acting within the scope of their license. The basis of whether COVID-19 diagnostic treatment is medically appropriate for a patient should be determined through evaluation by the healthcare provider based on signs and symptoms of COVID-19.

Covered Services: Medical

1. Will WellAway cover COVID-19 screening and testing?

Yes. WellAway Limited will cover COVID-19 screening services (determined to be medically appropriate by an individual’s healthcare provider in accordance with current accepted standards of medical practice) and diagnostic testing (approved by the applicable local laws where the insured person resides). WellAway Limited will waive cost share amounts such as co-payments, coinsurance, and deductible (with in-network providers in the USA), whether at an approved testing facility, provider’s office, urgent care center or via telemedicine through December 31, 2020. Only a health care provider can administer the test and send the sample to an approved lab for results. Diagnostic testing may include testing of symptomatic patients, as well as testing of asymptomatic patients when determined to be medically necessary based on an individualized assessment of the patient, such as for an upcoming procedure or recent known or suspected exposure to an infected individual. This is applicable to all WellAway products.

2. What COVID-19 treatments are covered?

Any treatments for COVID-19 from doctors, hospitals, and other health care professionals are covered through December 31, 2020. Providers must use proper diagnosis and procedure codes related to COVID-19 for WellAway Limited to waive a member’s deductible, copays, and coinsurance amounts for treatment. Student and short-term plans in any geographic region will only cover screening services and diagnostic testing. Coverage for expatriates will be determined in accordance with the member’s policy terms and conditions (as any other illness) when medically necessary. Treatment must be delivered by the proper healthcare professional or facility.

3. Will WellAway Limited cover the cost of treatment for COVID-19?

Yes. WellAway Limited will cover treatments for COVID-19 and will waive cost share amounts such as co-payments, coinsurance, and deductible through December 31, 2020. In the United Stares, cost share amounts will only be waived if the member seeks treatment by in-network providers. If the member visits an out-of-network provider, COVID-19 treatment will be covered in the case of a medical emergency and paid as out of network benefits. Members should seek care from in-network providers whenever possible to minimize costs and to avoid higher cost share amounts. Out-of-network providers may charge more than the covered benefit amount; in this case, the member may be responsible for paying the difference.

4. Is prior authorization required for COVID-19 screening and testing?

No. Prior authorization is not required for the COVID-19 test. However, please refer to your policy for pre-authorization requirements pertaining to certain medical services.

5. Is WellAway Limited covering COVID-19 serology (antibody) testing?

No. According to guidance from the FDA, CDC and WHO, antibody tests should not be used as the sole basis for diagnosis, and there are only very limited medically necessary applications for the use of antibody tests in the diagnosis and treatment of COVID-19. For these reasons, it is not covered.

6. Will WellAway Limited cover costs for COVID-19 testing so members can return to work?

No. Return to work testing is not done to improve the health outcome of the employee being tested; and, therefore, would not be covered as a benefit under a WellAway Limited plan. This is consistent with coverage for other types of testing that might be administered for the benefit of an employer, such as employer-required drug or alcohol testing (which is not covered as a health plan benefit). COVID-19 testing performed for non-diagnostic purposes, such as for public health surveillance will not be covered.

7. Does WellAway Limited cover at-home COVID-19 test kits and will the co-payment be waived?

No. At this time, WellAway Limited does not cover self-administered tests.

8. When an approved vaccine is finally made available, will that be covered as an essential health benefit?

Yes. WellAway Limited is closely monitoring announcements from the CDC, FDA and WHO for prescription drugs and vaccines that become available for the treatment or prevention of coronavirus to support access for our members. Once a vaccine is approved, it will be covered.

Covered Services: Pharmacy Benefits

1. Are members allowed to fill their prescriptions earlier or have larger fill or refill amounts to offset difficulties with getting medications?

Yes. For the duration of the public health emergency, WellAway Limited will waive early refill limits on prescription medications. These refills cannot exceed guidelines for drug administration and no more than a 90-day supply. Please note that WellAway Limited does not recommend stockpiling medications. However, early refill limits have been adjusted so that members can refill an extended supply of their medication according to their benefit. For any questions regarding early refills, members may call the ConciergeCare number on the back of their WellAway ID card or by calling WellAway Limited for further information.

2. What happens if there are shortages of medications due to this pandemic?

In the event of a prescription drug shortage, WellAway Limited has a standard process in place to take immediate steps so that members have access to alternative medications to treat their condition. WellAway Limited’s process includes monitoring drug shortage notifications from the FDA, CDC and WHO evaluating and changing formulary coverage, and if necessary, identification of alternative medications to treat the same condition. Affected members and their prescribers will be notified of the shortage and applicable treatment alternatives in the event of a shortage.

3. Can members receive home health infusion by a nurse in their home instead of going to a hospital in order to avoid exposure to COVID-19, and help reduce traffic at the hospital?

Yes. If members normally receive drug infusion services in a facility, they should talk with their doctor about whether their drug infusion services should be continued and if they can be administered at home instead. If the member's physician or authorized prescriber determines he/she can safely receive drug infusions at home, WellAway Limited and members are eligible for physician-ordered and plan authorized home infusion services.

4. How can members practice social distancing and conveniently access their prescription medications?
Members can practice social distancing by:
  • Contacting their local retail pharmacy about delivery services.
  • Filling extended day supply of maintenance medications.
  • Access 90-day supplies of maintenance medications used to treat chronic conditions.

Contact their physician to switch to a 90-day prescription refill.

Covered Services: Virtual Care

1. Does your plan cover telemedicine?

Yes. Telemedicine and international telemedicine services are covered under WellAway Limited’s standard plan designs. In the United States, telemedicine services are available through Teladoc as a covered benefit through those network providers that offer such services.

In addition, WellAway Limited is expanding access to telemedicine services in response to COVID-19 by allowing providers to offer COVID-19 screening services using an expanded range of telehealth platforms when the practitioner is seeing patients via Zoom portal, Microsoft teams or other types of virtual services adopted by the accredited medical practitioner (when performed appropriately during the COVID-19 public health emergency). Visits should be billed by the provider using the normal billing process for an office visit. In the United States, this is covered for all in-network providers. If the member uses an out-of-network provider, the service will be paid as out-of-network benefits. Members should seek care from in-network providers whenever possible to minimize costs and to avoid higher cost share amounts. Out-of-network providers may charge more than the covered benefit amount; in this case, the member may be responsible for paying the difference.

2. Will WellAway Limited cover Teladoc COVID-19 visits?

Yes. Copays for any Teladoc visits will be waived for members enrolled in all WellAway Limited plans whether or not related to COVID-19.

3. If a member pays for the co-payment, either through an office visit or Teladoc or International Telehealth, because the provider requested payment at time of service, will they be reimbursed?

Yes. If a member is improperly charged for a co-payment, the member should call the number on the back of his/her ID card and ConciergeCare will contact the provider obtain a reimbursement for the member.

WellAway will continue to monitor the situation and update our members accordingly. For more information, please refer to the Centers for Disease Control and Prevention and the World Health Organization.

A comprehensive health and lifestyle product for US-bound expatriates.

The New American is a health and lifestyle product designed to meet the needs of US-bound expatriates. WellAway members have the comfort of knowing that home is always with them in all matters realting to their health and well-being. The New American provides health benefits, wellness tools and access to medical services that are uniquely designed for the expatriate lifestyle abroad. As a proud advocate of expatriate communities across the globe, WellAway is committed to devleoping a health, wellness and expat support system for foreign nationals.

New American benefits:

  • Open access to national PPO network without restrictions to care such as home state or home city
  • International coverage with Eva and Repat
  • Low deductible and out-of-pocket limits options (below current ACA limits)
  • CFE recognised for French expatriates

World Premium is a new product WellAway will be offering available for purchase as of September 1st - World Premium will begin quoting as of August 15th. Details of the product will be added soon.

ORBE Platinum is a health and lifestyle solution that keeps you covered while providing stability and security. It features an unlimited annual limit option with or without deductible. ORBE provides health benefits, hospitalisation and emergency coverage for continuous care and support to meet your needs and requirements. With a set of deductible options available, ORBE Platinum gives you control over your premium.

July 2021 Update: ORBE Platinum will no longer be offered to new clients, however existing Platinum members are eligible for continuation of their coverage for the duration of their new policy period. Members who are currently covered under ORBE Platinum will receive information explaining the revisions to the policy.

ORBE Gold retains many aspects of cover that ORBE Platinum offers, except with a max annual limit of $7,000,000 USD.

July 2021 Update: ORBE Gold members are still being offered deductibles ranging from $0 - $5000 based on eligibility criteria. ORBE Gold is now providing coverage for treatment related to COVID-19 illnesses up to $50,000 per Policy Year in the USA or Worldwide. Outpatient Mental Health generic medications are now covered and In-Network Inpatient mental health is covered up to 5 days per Policy Year.

Additional benefits for ORBE Gold:

  • 100% coverage when using a WellAway Premium Care Physician/In-Network Provider (subject to the Cost Share amounts, if any)
  • Wellness Benefits are covered at 100% when using a WellAway Premium Care Physician/In-Network Provider.
    • Wellness Benefits now includes vaccinations stated in the Summary of Benefits, including COVID-19
  • With the optional purchase of Maternity and Birth Benefits, coverage for breast pumps are now available
  • Continued access to a National Network in the USA and peace of mind with emergency medical evacuation and repatriation coverage
  • Geographical zones have been redesigned to reflect the premium based on the distination at the time of purchase - additional countries have been added in each of the 3 new zones of coverage

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Email: crew@navigator-insurance.com
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong