International Alliance Group Benefits Guide 2025-2026
International Alliance Group is proud to offer you a rich benefits package to include medical, prescription, dental and vision care as well as life insurance, all at no cost to you
This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible employees While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans
If you should have any questions:
1 Contact the carrier directly Phone number and website information is on page 20
2 Contact benefits@iagusa org
IAG Benefits Video Presentation Made Just For You
Please click on the link below to watch a brief presentation of the benefit offerings available to you as provided in this guide
The company that will administer the medical insurance benefits for International Alliance Group
The company that will provide the medical network
The company that will provide International Alliance Group’s prescription benefits
SUMMARY
Medical benefits provide you access to quality health care International Alliance Group offers a very rich medical plan provided through Personify Enrolled members have access to coverage, with claims processing and customer service being provided by Personify
The medical plan is underwritten and reinsured by Nationwide The Nationwide ratings are:
Standard and Poors A+ Affirmed 04/20/2025 AM Best A+ Affirmed 11/07/2025 Moody’s A1 Affirmed 11/10/2023
To contact Personify, please go to myCareHC.com/iag or call 800-843-3831.
TERMS TO KNOW AS YOU READ THROUGH THIS BOOKLET:
Copay
The fixed dollar amount you must pay directly to a medical provider at the time certain covered services are received, such as office visits or prescription drugs
Deductible
The fixed dollar amount you must pay for covered services each coverage year before the insurance company begins to pay benefits .
Coinsurance
Sharing, between yourself and the medical plan, of the cost of covered services after you have paid the deductible
Out-of-Pocket Maximum
The maximum dollar amount you have to pay under the terms of the insurance company’s contract in a coverage year for covered services Note that you would be responsible for anything exceeding the Plan’s Allowable per Benefit Maximum or Coverage Year Limit should you reach that limit within a Plan Year 1 2
Medical Plan
Coverage Year Limit
Deductibles per Covered Person
Personify - Medical Benefits | FairosRx - Prescription Benefits
Cigna Network
$1,000,000
$500 per Plan Year (Medical only)
Coinsurance 20%
Out-of-Pocket Maximum per Covered Person
Hospital Services
Inpatient Hospital
Outpatient Hospital
Emergency Room
Urgent Care
Routine Services
Office Visit
Specialist Visit
$5,000 per Plan Year
Coinsurance applies Deductible and Copays do not apply
Deductible, then $50 copay and 20%
Deductible, then $50 copay and 20%
Deductible, then $250 copay and 20%; copay waived if admitted
Deductible, then $75 copay and 20%
$30 copay
$50 copay
Preventive Care Paid 100%
Prescription Drugs*
Generic
Preferred brand
Non-preferred brand
Specialty
30 Day Supply
$15 copay
$30 copay
$45 copay
$75 copay
*Deductible does not apply to prescription benefits,
Other Covered Services
Emergency Medical Evacuation
Emergency Family Travel Arrangements
Repatriation
Accidental Death & Dismemberment
Global Assistance Services
90 Day Supply
$30 copay
$60 copay
$90 copay
N/A
Maximum benefit up to $100,000 per coverage year
Up to a maximum benefit of $1,500 for one person
Maximum benefit up to $50,000
Principal sum up to $10,000 for insured employee; $5,000 for spouse, $1,000 for child(ren)
Emergency medical and travel assistance services provided, including coordination of all evacuations and repatriations if needed
All Benefits run on a Plan Year basis, July 1 - June 30
Telehealth
Teladoc-24/7/365 on-demand access to affordable, quality healthcare Anytime, Anywhere
Regardless of the plan you choose you should never be without Teladoc, the only 24/7 telehealth and wellness service designed for the modern family Whenever you have an issue, simply connect with Teladoc board-certified doctors, available by phone, video or chat . They are specially trained to diagnose, treat and prescribe medications for a wide variety of common medical conditions, helping you avoid the costly and time-consuming trips to the doctor or urgent care centers
■ Talk to a real doctor, 24/7 . No need to schedule an appointment or limit your visits .
■ Save money and time, while avoiding costly trips to a doctor’s office, urgent care or ER
What can be treated?
■ Acne
■ Allergies
■ Asthma
■ Bronchitis
■ Cold & Flu
■ Constipation
■ Diarrhea
■ Ear Infection
■ Fever
■ Headache
■ Insect Bite
■ Joint Aches
■ Nausea
■ Rashes
■ Sinus Infection
■ Sore Throat
■ UTI
■ And more!
When should I use Teladoc?
■ Instead of going to the ER or an urgent care center for a non-emergency issue
■ During or after normal business hours, nights, weekends and holidays
■ If your primary care physician is not available
■ To request prescriptions (when appropriate)
■ If traveling and in need of medical care
How much does it cost?
■ There is no consultation fee to use this service
Dental Plan
CIGNA NETWORK, Classic PPO
In Network
Annual Deductibles
Individual $50
Annual Plan Maximum $1,500
Benefits
Type I - Diagnostic & Preventive 100% In / 100% Out
Type II - Basic Services 80% In / 80% Out
Type III - Major Services 50% In / 50% Out
Other Benefits
Periodontic Coverage
80% In/ 80% Out
Endodontic Coverage 80% In/ 80% Out
All Benefits run on a Plan Year basis, July 1 - June 30
Vision Plan
OPEN NETWORK
Exam
The dental plan includes preventive services and office visits.
$10 Copay
Frequency Each Plan Year*
Frames Covered 100%
Single/Bifocal/Trifocal/ after $25 copay
Lenticular
Progressive Lenses Standard covered after $25 copay
Frequency Each Plan Year*
Frames or Contact
Lenses
$130 Allowance
$60 copay for fit & follow-up exam
Frequency Each Plan Year*
*Plan Year is defined as July 1 - June 30
All standard lenses are covered.
Welcome to Personify
Personify is dedicated to simplifying your healthcare management.
Dear Plan Participant,
As your health benefits administrator, Personify is committed to providing you with the right tools to easily navigate your health plan
Enclosed you will find your new health plan ID card(s)
Forget your ID cards? No problem.
You can easily access digital versions of your ID cards at any time with our mobile app Just scan the QR code below or search for “myCareHC” in the Apple App Store or Google Play
You can also access them by setting up your account at mycareHC .com/IAG
Here are just a few things you can do with Personify:
■ Make sense of your benefits
■ Find doctors
■ Schedule appointments
■ Understand how claims are processed
■ Get connected to the right programs at the right time
■ Free access to a licensed clinical team:
■ Certified nurses
■ Licensed dietitians
■ Social workers
■ Other clinical specialists
Present your cards to
Questions?
Please
FairosRx Prescription Benefits FAQ
Who is FairosRx?
FairosRx is a Pharmacy Benefit Manager (PBM) located in Amarillo, TX We partner with employers to administer prescription benefits for their covered enrollees and dependents
Who do I contact with questions about my prescription benefits?
The Member Services team at FairosRx is here to assist you by answering questions related to your prescription benefits such as drug coverage, copays and out of pocket amounts, prior authorizations, network pharmacies, mail order and more! You can reach us by phone at 833-464-9600 or email us at contactus@fairosrx com
How do I create a FairosRx member portal account?
Creating a FairosRx member portal account is easy! Please have your prescription/medical ID card available as you will need information from your card for account registration
Please follow these simple steps:
1 Go to fairosrx com and select Member Login
1 Enter the subscriber’s last name, date of birth and member ID number The subscriber is the employee who carries the benefits
1 Select the member for whom you are creating the account and verify their date of birth
1 Enter a username, email address and password
1 You’re done!
How do I find pharmacies in my network?
FairosRx has over 67,000 pharmacies in our nationwide network . Members can view a listing of participating pharmacies by going to the Pharmacy Lookup tool on the FairosRx Member Portal or by calling member services at 833-4649600 Pharmacies can be filtered by zip code and 24-hour locations
How do I determine my copay or out of pocket amount?
To determine your copay or out of pocket amount, please refer to your benefit documents, use the Medication Lookup tool on the FairosRx member portal or call member services at 833-464-9600
How do I know if my drug is covered?
To determine if a drug is covered under your prescription benefits, please refer to your benefit documents, use the Medication Lookup tool on the FairosRx member portal or call member services at 833-464-9600
What is a formulary?
The formulary is a list of generic and brand name medications used to help you determine your copay A group of doctors and other experts choose the drugs on formulary based on their e ectiveness, safety and cost The formulary can be accessed by logging into your FairosRx member portal account and selecting Benefit Documents
What
if my medication is not listed on the formulary?
Depending on your benefits, if a brand medication is not listed on the formulary, the brand is considered non-preferred or may be excluded For lower cost and formulary alternatives, please contact member services at 833-464-9600
What is a prior authorization?
Certain medications require an approval before they are covered To determine if a medication requires prior authorization, please go to Benefit Documents on the FairosRx member portal or contact member services at 833-464-9600 .
How do I know if my medication has quantity limits?
To determine if a medication has quantity limits, please go to Benefit Documents on the FairosRx member portal or contact member services at 833-464-9600
How do I sign up for Mail Order?
Members can register for mail order by completing one of the following:
■ Go to fairosrx com to create a member portal account Select the My Prescriptions feature and then click on Visit Mail Order under the Mail Order Prescriptions tab
■ Print, complete and mail your Mail Order Registration Form . The form can be found at fairosrx com under the Member section
How can I order refills?
Mail order refills can be ordered through the FairosRx member portal or automated phone system at 833-464-9600
How do I file for reimbursement if I paid out of pocket for my prescription?
If you paid out of pocket for your prescription(s) and need to file for reimbursement, please complete a Prescription Reimbursement Request Form The form can be found at fairosrx com under the Member Resources section Please note that your original pharmacy receipt must be submitted with your reimbursement request .
Download the FairosRx Mobile App Today
FairosRx Mobile App
You have the power to manage your prescription benefits from anywhere by using convenient mobile app. Whether you are on vacation, at your pharmacy, or in your physician’s office, our mobile app provides you access to the information you need.
Member tools built for you
It’s never been easier and more convenient to manage your pharmacy benefits. Access the FairosRx Member Portal online or on your mobile device. With these powerful tools, you may be able to save money on your prescriptions:
• View lower cost drug alternatives
• Compare prescription pricing at multiple pharmacies
• Evaluate mail order savings
FEATURES
My Account
View member information, manage account permissions and security.
Pharmacy Locator
Locate network pharmacies by zip code.
Medication Lookup
Lookup coverage and pricing information for medications.
FAQ Find answers to questions about the portal, mail order and prescription benefits.
Benefit Documents
View formulary, specialty medication list, quantity limits and more.
Prescriptions
Register for mail order, request mail order refills and view prescription history.
International Alliance Group offers LifeShield Group Term Life Insurance Plan at no cost to the Member
Coverage for each full-time benefit eligible member is $25,000
Life insurance provides protection for those who depend on you financially Your need varies greatly due to age, number of dependents, dependent ages and your financial situation Accidental Death and Dismemberment (AD&D) benefits provide a benefit to you or your beneficiary if you are seriously injured or die in an accident
HOW IT PAYS
100% benefit amount if your death is the result of an accident, in any year You also have the option to convert this term life policy into a whole life policy up to age 70
Year 1
If a death is to occur in the first year the benefit payout is 120% of all premiums paid
Year 2
If a death is to occur in the second year, the benefit payout is 20% of the full amount
Year 3
If a death is to occur within or after the third year, the payout is the full benefit amount
Zero Monthly Cost
International Alliance Group enrolls members in health insurance at no cost to the member, unless the member chooses District coverage Members enrolled in IAG’s health benefits are only responsible for any out of pocket expenses they may incur
Cancer Awareness
Your best defense against cancer is awareness and prevention.
The Personify Health Cancer Awareness program is designed to develop a culture of health, create awareness, and ultimately prevent cancer and increase healthy outcomes through early screening and detection.
What you can expect from the program
If you or a covered dependent are due for one of the cancer screenings listed, we’ll reach out with helpful information to make sure you get the care you need, when you need it.
Once you learn more, don’t stop there! Pass it on, encourage someone else to get their screening done. You could save someone’s life!
Colon cancer
Cervical cancer
Breast cancer
Prostate cancer Types of screenings
Questions? Contact us at
Screening Information
Screening Information
Colon cancer
Colon cancer is the third most common cancer, but it’s also one of the most preventable. Screenings can help find problems early, before there are symptoms, and when they’re easier to treat.
Most people with an average risk of developing colon cancer should start screening at age 45. You may need to start screening earlier or more often if you have certain risk factors, like:
• A family history of colon cancer or polyps
• An inflammatory bowel disease, such as Crohn’s disease or ulcerative colitis
• A genetic or hereditary colorectal cancer syndrome
Speak with your doctor about your screening options as well as when and how often you need to be screened.
Breast cancer
Breast cancer is one of the most common types of cancer among women, but it can be treated if caught early. Most women ages 40 to 74 should have a breast cancer screening, known as a mammogram, every two years. Depending on your risk factors and family history, you may need to start earlier or have more frequent screenings.
Regular screenings can detect cancer before there are any noticeable symptoms. Early detection means better chances of successful treatment. Talk to your provider to review your individual risk factors and find out when you should start screening.
Cervical cancer
Most women between the ages of 21 and 65 should get screened for cervical cancer. Screening early and often is important since most cases of cervical cancer have no symptoms or side effects early on. When cancer is caught early, cervical cancer treatment is more successful. If a screening finds abnormal cells, you can even prevent cancer from developing.
Most women with an average risk of cervical cancer should get their screening, also known as a Pap test, every three years. Talk to your provider to learn when you should start getting screened and how often.
Prostate cancer
Prostate cancer can be a serious disease, but with early detection and advances in treatment, men who are diagnosed with it have improved survival rates and outlooks.
Men with a family history of prostate cancer and those who are African American or Caribbean with African ancestry have an increased risk of developing prostate cancer and can start getting screened between ages 40 and 45. Those with an average risk can start at 50.
The best way to decide if (and when) you should get screened for prostate cancer is to talk to your provider.
Personify Health is here to support you.
Navigating the healthcare system can be complicated and frustrating. With Personify Health, you’re not on your own. Your Personal Health Advocates are trained on your health benefits package and are ready to help you understand your benefits, out-of-pocket costs and more.
Your Personify Health benefits package also includes several clinical programs to help you and your family live your healthiest life:
Case Management
Supporting your health journey
When it comes to managing your health effectively, our compassionate team of healthcare professionals is here for you. Whether you’re in need of acute care or you’re facing cancer, a high-risk pregnancy, or complex conditions like kidney disease and transplants, we have your back. Count on us to provide the support you need through personalized care coordination, discharge planning and follow-up, so you can take control of your health with confidence.
Have questions or want to learn more? Contact us at CareManagement@PersonifyHealth.com
Cancer Awareness
Early detection for better outcomes
We’re dedicated to reducing the risk of late cancer diagnoses. Our Cancer Awareness program provides timely reminders of important screenings appropriate for your age and gender, helping to catch potential issues early. Early detection leads to better outcomes, and we’re committed to keeping you well informed and empowering you to prioritize your health.
Chronic Disease Management
Taking charge of your health
Our team of clinicians specializes in helping you improve your overall health. We’ll work with you to identify gaps in your care and offer advice on how to make positive changes. From reminding you about important screenings, labs, and medications, to providing a quarterly newsletter full of helpful exercise and nutrition tips, we’re committed to supporting your wellbeing every step of the way.
Nurturing Together
Guidance
for a healthy pregnancy and baby’s first weeks
Are you a new parent or expecting a child? Our Nurturing Together program is designed just for you. Get expert guidance on staying healthy throughout your pregnancy and learn how to care for your baby during those crucial first six weeks. We’re here to provide the support and information you need for a happy and healthy start to parenthood.
Chronic Disease Management
Elevate your healthcare experience
Navigating the healthcare system can be complicated and frustrating. With Personify Health, you’re not on your own. Your Personal Health Advocates are trained on your health benefits package and are ready to help you understand your benefits, out-of-pocket costs and more.
Your Personify Health benefits package also includes several clinical programs to help you and your family live your healthiest life:
Disease Management
Case Management
Chronic Disease Management
Taking charge of your health
Nurturing Together Cancer Awareness
Our team of clinicians specializes in helping you improve your overall health. We’ll work with you to identify gaps in your care and offer advice on how to make positive changes. From reminding you about important screenings, labs, and medications, to providing a quarterly newsletter full of helpful exercise and nutrition tips, we’re committed to supporting your wellbeing every step of the way.
Have questions or want to learn more? Contact us at CareManagement@PersonifyHealth.com
Case Management
Elevate your healthcare experience
Navigating the healthcare system can be complicated and frustrating. With Personify Health, you’re not on your own. Your Personal Health Advocates are trained on your health benefits package and are ready to help you understand your benefits, out-of-pocket costs and more.
Your Personify Health benefits package also includes several clinical programs to help you and your family live your healthiest life:
Case Management
Case Management
Disease Management
Nurturing Together Cancer Awareness
Supporting your health journey
When it comes to managing your health effectively, our compassionate team of healthcare professionals is here for you. Whether you’re in need of acute care or you’re facing cancer, a highrisk pregnancy, or complex conditions like kidney disease and transplants, we have your back. Count on us to provide the support you need through personalized care coordination, discharge planning and follow-up, so you can take control of your health with confidence.
Have questions or want to learn more? Contact us at CareManagement@PersonifyHealth.com
Elevate your healthcare experience
Navigating the healthcare system can be complicated and frustrating. With Personify Health, you’re not on your own. Your Personal Health Advocates are trained on your health benefits package and are ready to help you understand your benefits, out-of-pocket costs and more.
Your Personify Health benefits package also includes several clinical programs to help you and your family live your healthiest life:
Nurturing Together
Guidance for a healthy pregnancy and baby’s first weeks
Are you a new parent or expecting a child? Our Nurturing Together program is designed just for you. Get expert guidance on staying healthy throughout your pregnancy and learn how to care for your baby during those crucial first six weeks. We’re here to provide the support and information you need for a happy and healthy start to parenthood.
Have questions or want to learn more? Contact us at CareManagement@PersonifyHealth.com
Important Phone Numbers & Websites
Personify Medical, Dental and Vision Plans
800 .843 3831, M-F (Members) 7:00a-9:00p CST
mycarehc com/iag
Member ID # on ID card is needed to “Sign Up”
FairosRx
Prescription Benefits
833 .464 .9600
FairosRX .com
International Alliance Group benefits@iagusa .org
SupportLinc
Employee Assistance Program 888 881 5462
ABOUT THIS BOOKLET
This booklet highlights important features of International Alliance Group’s benefits for its benefit eligible members . While efforts have been made to ensure the accuracy of the information presented, in the event of any discrepancies your actual coverage and benefits will be determined by the legal plan documents and the contracts that govern these plans
Capital Financial
14614 N Kierland Blvd , Suite N220, Scottsdale, AZ 85254
