Omega Plan Coverage and Plan Details
Designed for missionaries serving more than one year, includes full US cover.
Annual Maximum
$1,000,000
Emergency Evacuation
$1,000,000
USA Coverage
Full ✓
Lifetime Cap
None ✓
Plan Coverage Summary
The Talent Trust Omega Plan is an international private medical insurance plan designed for missionaries serving one year or longer who need comprehensive coverage that includes the United States. Omega is the plan of choice for American missionaries or any long-term worker who spends time stateside during furlough or for medical care.
Annual Maximum Limit: $1,000,000 per insured person (no lifetime limit) Emergency Medical Evacuation: $1,000,000 (no lifetime limit) Excess/Deductible: Multiple options available — see the Customize Your Plan tab for details USA Network: Aetna PPO (unrestricted everywhere else) USA Co-Insurance: 20% of admissible costs up to $10,000 per person per year
Core Medical Benefits
- Inpatient & day-patient hospitalization — covered in full
- Outpatient treatment — covered in full
- Medical practitioner, specialist consultations, and nursing fees
- Surgery and associated medical facility fees
- ICU care — $1,500/day up to 180 days
- Emergency room and urgent care treatment
- Prescription medications and dressings
- Diagnostic procedures: labs, ultrasounds, MRI, CT scans, X-rays — covered in full
- Cancer treatment
- Physiotherapy / occupational therapy — 20 sessions, covered in full
- Rehabilitation — 120 days per medical condition
- Reconstructive surgery
- Alternative treatments (chiropractic, osteopathy, homeopathy, podiatry, acupuncture) — 20 sessions, covered in full
- Traditional Chinese medicine
- Psychiatric treatment — Inpatient up to $5,000 (30-day limit); Outpatient up to $5,000
- Ongoing chronic condition management — up to $3,000
- Annual wellness check-up — $400/person (20% co-insurance)
- Home nursing — 30 days per condition
- Convalescent care — costs incurred in first 30 days
- Hospice care — 30 days
- Hospital cash benefit — $125/night, up to 20 nights
Pregnancy & Family Benefits
- Normal pregnancy & childbirth — included in most plans (10-month waiting period; see plan options below)
- $10,000 maternity included with: Omega Excess 800/200, Omega Deductible 1600/400, Omega Excess 5000/100
- $25,000 maternity included with: Omega Excess 400/100
- Complications of pregnancy — covered (10-month waiting period)
- Newborn hospital accommodation (to accompany a mother receiving inpatient treatment) — included
- Parent hospital accommodation (to accompany a child receiving inpatient treatment) — included
- Congenital anomalies — up to $100,000 per medical condition
- Hormone replacement therapy — 3 months per lifetime
Additional Benefits
- Local ground ambulance — up to $1,500 per event
- Auto and motorcycle accident coverage — included
- Organ transplant — up to $250,000 per lifetime
- Burial / cremation / return of mortal remains — up to $15,000 per person
- Accidental damage to teeth — up to $2,500
- Surgical extraction of teeth — up to $2,500
- Pandemic coverage, including COVID vaccinations up to $250
- Terrorism medical coverage
- Free 24/7 telemedicine / video consultations — unlimited use
USA Coverage Note
Omega provides full coverage in the USA through the Aetna PPO network. A 20% co-insurance applies for treatment received within the USA network, up to a maximum of $10,000 per person per year. This makes Omega the right choice for American missionaries, those with family in the States, or anyone who anticipates receiving medical care in the USA.
Not a US citizen and don't need US coverage? The Alpha Plan may offer similar protection at a lower premium. See the Alpha Plan →
Coverage amounts may vary. Please review the full policy certificate for complete details.
Key Benefits
What Sets the Omega Plan Apart
$1,000,000 Annual Maximum — No Lifetime Cap You're protected up to $1,000,000 every policy year, and that limit resets each year. There's no ceiling on how much the plan will pay over the course of your career.
Full Coverage in the USA Unlike most international missionary health plans, Omega provides comprehensive coverage within the United States through the Aetna PPO network. Whether you're home on furlough, visiting family, or seeking specialized treatment stateside, you're covered.
Maternity Included — Not Just an Add-On Most Omega plans include normal pregnancy and childbirth coverage as a standard benefit after a 10-month waiting period — up to $10,000 or $25,000 depending on the plan you choose. This is a significant advantage for families planning to grow during their time in the field.
Free 24/7 Telemedicine — Unlimited Use Connect with a licensed physician anywhere in the world, any time, at no extra cost. Ideal when quality local care is hours away — or when you just need a quick answer at 2am.
Emergency Medical Evacuation Up to $1,000,000 If you need to be transported to the nearest appropriate medical facility — or returned home for treatment — you're covered for up to $1,000,000 in evacuation costs, with no lifetime limit.
Flexible Excess/Deductible Options Omega offers six different excess and deductible combinations, with separate rates for treatment inside and outside the USA. You choose the level that fits your budget and how often you anticipate using your plan in the States.
No Claims Bonus Stay healthy and Talent Trust rewards you for it. Members can earn up to 50% off their annual premium through the No Claims Bonus program — meaningful savings that compound over years of healthy service.
The TT YouPayNothing Card A digital pre-approval payment card for health expenses. Get pre-authorized for your treatment before you go, and pay directly — no large out-of-pocket payments upfront, no waiting for reimbursement.
TT Mercy Fund Talent Trust tithes 10% of its income into a discretionary Mercy Fund to help cover costs that fall outside the scope of the insurance policy. It's a safety net for situations that don't fit neatly into a benefits schedule.
Referral Bonus Program When you refer a friend or colleague to Talent Trust, you earn a bonus. They invest in their members rather than advertising campaigns.
Who This Plan is For
The Talent Trust Omega Plan is specifically designed for missionaries who need global coverage that doesn't stop at the US border.
This plan is a strong fit if you:
- Are a US citizen or green card holder serving abroad long-term
- Anticipate receiving medical care in the United States — whether during furlough, home visits, or for specialized treatment
- Are a missionary or faith-based worker serving one year or longer
- Want comprehensive maternity coverage included as part of your base plan
- Want more than just insurance — including personal support, wellness resources, and a dedicated team member
This plan may not be the right fit if you:
- Do not need primary US coverage and want a lower premium → See the Alpha Plan
- Are planning a short-term trip of less than one year → See our Mission Trip Insurance options
The Alpha vs. Omega Decision The core difference between the two plans is US coverage. Both offer $1,000,000 annual maximums, the same member benefits, and the same Talent Trust support structure. If you're American or need full US coverage, Omega is your plan. If you're not and don't, Alpha delivers similar protection at a lower cost.
Family Coverage Omega covers entire families, and maternity is built into most plan levels — making it especially well-suited for young families heading to the field.
Not sure which plan is right for you? Contact us and we'll help you choose →
Cutomize Your Plan
Excess & Deductible Options
Omega offers six plan configurations, each with a different excess or deductible level for treatment inside vs. outside the USA. The higher your excess or deductible, the lower your premium.
Understanding the difference:
- Excess — applied once per medical condition, per person. Not reapplied the following year.
- Deductible — applied per person, per year regardless of condition.
Most Popular Plans
| Plan | Type | Inside USA | Outside USA | Maternity Included | Best For |
|---|---|---|---|---|---|
| Omega Excess 800/200 | Excess | $800 | $200 | $10,000 ✓ | Most popular for those requiring regular US coverage |
| Omega Deductible 1600/400 | Deductible | $1,600 | $400 | $10,000 ✓ | Americans overseas wanting protection from large medical bills |
| Omega Excess 5000/100 | Excess | $5,000 | $100 | $10,000 ✓ | Those not planning to use US coverage regularly — lowest cost with overseas protection |
Additional Options
| Plan | Type | Inside USA | Outside USA | Maternity Included | Best For |
|---|---|---|---|---|---|
| Omega Excess 400/100 | Excess | $400 | $100 | $25,000 ✓ | Lowest excess, highest maternity coverage |
| Omega Excess 2000/500 | Excess | $2,000 | $500 | ✗ | Higher excess, lower premium, protection from large bills |
| Omega Excess 4000/1000 | Excess | $4,000 | $1,000 | ✗ | Highest excess, lowest premium |
Get a quote to see current pricing for each plan level.
Optional Add-Ons
Further personalize your Omega Plan with these optional benefits. All prices are in USD per year.
| Option | Key Details | Price |
|---|---|---|
| Additional Chronic Conditions | Increases chronic condition limit from $3,000 to $50,000/year; includes HIV/AIDS coverage | $1,136/adult, $385/child |
| Dental | Check-ups, fillings, surgery, periodontics, orthodontics, prostheses (80% refund; 50% for orthodontics) | $367/person |
| Vision Care | Annual exam + prescription eyewear up to $250/person | $78/person |
| Travel Insurance Add-On | Trip cancellation up to $1,500, baggage up to $1,000, personal money & passport up to $500 | $30/person |
| Personal Accident | $100,000 lump sum for accidental death or permanent disability | $212/adult |
| Crisis Assistance Program (CAP) | Evacuation support for natural disasters, terrorism, kidnap, political instability; includes CAP Advantage App | $90/adult, $75/child |
| Non-Emergency Travel | Economy-class travel to nearest medical facility for non-emergency care unavailable at current location | Based on premium — get a quote |
| Travel to Near Relative | Transport & accommodation to be with a critically ill or recently deceased relative — up to $3,000/claim | $384/policy |
Most options must be applied to all dependents on the policy. Contact us for a personalized quote.
Member Benefits & Support Services
Talent Trust is more than an insurance company — it's a support organization built specifically for the missionary community. Every Omega Plan member receives access to the following:
Your Dedicated Team Member Talent Trust assigns you one specific person on their team. They know your policy, your situation, and your mission. When you have a question or a problem, you have someone to call who actually knows who you are.
TT Virtual Care Connect with an approved doctor 24/7 — by video or phone, wherever you are. Available globally and included at no extra cost.
TT Counseling Care Access qualified Christian or secular counselors at significantly reduced rates, either face-to-face or virtually. Mental and emotional health in the field matters, and Talent Trust builds it into your plan.
RightNow Media A faith-based video library available to all members free of charge, with resources designed to help you grow personally, spiritually, and in leadership.
Thrive Together (Coaching) One-on-one coaching for navigating the unique challenges of missionary life — ministry transitions, language learning, support raising, re-entry culture shock, and more.
FiTT (Fitness in the Trenches) Practical tools to help you maintain your physical fitness on the field so you can bring your whole self to your calling.
TT Mercy Fund A discretionary fund, funded by 10% of Talent Trust's income, used to help members with needs that fall outside of what the insurance policy covers.
No Claims Bonus Earn up to 50% off your premium for years without claims — built into the plan from day one.
TT Referral Bonus Refer a friend to Talent Trust and receive a bonus. They believe in growing through relationships, not advertising.
Plan Documents
Review the complete policy details before you apply. We recommend downloading and reading the benefits schedule carefully and reaching out to us with any questions.
Omega Plan Medical Benefits Schedule A full breakdown of every covered benefit, benefit limits, exclusions, and conditions. Download PDF →
Questions About Coverage? Our team is happy to walk you through the benefits and help you understand exactly what's covered before you commit. Contact Us →
How to File a Claim
Before You Receive Treatment (When Possible) For planned or non-emergency procedures, contact Talent Trust in advance. Pre-authorization helps avoid large out-of-pocket payments and ensures you're using a covered provider — especially important for US-based treatment through the Aetna PPO network.
For Emergency Treatment Seek care immediately. Save all documentation — itemized bills, physician reports, receipts, and any diagnosis codes. Submit these after the fact through the claims process.
TT YouPayNothing Card If you have the YouPayNothing Card set up, you may be able to pay directly without out-of-pocket costs. Contact your Talent Trust team member to get this set up before you need it.
Submitting Your Claim
- Visit the Talent Trust claims page for current submission instructions and forms
- Excess applies per medical condition per person (Excess plans) or per person per year (Deductible plans)
- 20% co-insurance applies for treatment received within the USA network, up to $10,000 per person per year
Emergency Assistance (24/7)
- If your Policy ID starts with P: Call +1 (877) 499-4809 (free via Viber or from the USA)
- If your Policy ID starts with 1: Call +1 (800) 495-5099 (free via Viber or from the USA)
Free Look Period
Reviewing Your Coverage After Purchase
Once you've enrolled in the Talent Trust Omega Plan, you have a review period to carefully read through your policy documents and confirm the coverage meets your needs.
If after reviewing the policy you determine it is not the right fit, contact Talent Trust or ICI Traveler within the applicable review window to request a cancellation and refund.
We recommend using this time to:
- Review the full Omega Medical Benefits Schedule PDF
- Confirm your chosen excess or deductible level is right for your situation
- Understand how co-insurance applies for US-based treatment
- Check the 10-month waiting period for pregnancy benefits
- Confirm whether additional add-ons (dental, vision, chronic conditions, CAP, etc.) are right for your family
- Consider whether the Alpha Plan might be a better fit if you don't need US coverage
Have questions during your review period? Our team is here to help. Contact ICI Traveler →
Includes a free look (review period) so you can purchase with confidence and review your coverage after checkout.