Expatriate Plan Design

[PhilB]

My company has been reviewing the self-funded medical plan design for our expatriate group (both U.S. expats and TCNs) and are researching whether our current plan is "typical" of expatriate plans, particularly the deductibles. We are interested in the type of plan designs offered by other companies. In particular, we are wondering if our deductible and out-of-pocket amounts create inequalities among our expatriate group due to cost differences around the world.

We offer one indemnity plan that provides coverage for doctors' office visits, diagnostic lab and x-ray services, hospital expenses, surgery and anesthesia charges, prescription drugs, durable medical equipment, physical and occupational therapy, and psychiatric care. All charges are subject to an annual deductible ($200 Individual, $500 family). Once the deductible is satisfied, we pay 80% of the allowable medical expenses. The annual out of pocket maximum is $1,500 per person. The plan provides a yearly maximum of $350,000 per person and a lifetime maximum of $1,000,000 per person.

I'd be interested in any comments or experiences you've had in developing and administering a plan for expatriate employees and the general plan design offered. This tends to be a highly vocal employee group, so we want to tread carefully in recommending changes! Thanks in advance for any replies.