The document describes how a CFE Complémentaire insurance plan works by combining reimbursements from the CFE (Caisse des Français de l'Etranger) with benefits from the WellAway insurance plan to cover most medical expenses. It provides examples of how bills for a physician consultation, medical imaging, and a 2-day hospitalization would be covered under the Premier, Prestige, and Elite plan options. The CFE reimbursements are used to cover deductibles and coinsurance amounts. In the examples, the individual would pay $0-$2,200 depending on the plan and size of the bill.

1. How does it work?
Our CFE Complémentaire combines CFE reimbursements with
WellAway benefits so that your medical expenses are 100% covered
in most cases.

2. Out-of-pocket Expenses & Maximum for
the WellAway Plans…
Premier Prestige Elite
Deductible
$4,600 Individual
$9,200 Family
$2,500 Individual
$5,000 Family
$1,000 Individual
$2,000 Family
Coinsurance 70% 80% 90%
Annual Out-of-pocket Limit
$6,300 Individual
$12,600 Family
$3,500 Individual
$7,00 Family
$1,500 Individual
$3,000 Family
CFE Reimbursements are used to cover these costs.

3. Premier Prestige Elite
Your Medical Bill $70.00 $70.00 $70.00
Out-Of-Pocket $30.00 $25.00 $20.00
CFE Reimbursement* $20.00 $20.00 $20.00
WellAway Reimbursement $40.00 $45.00 $50.00
You Pay: $10.00 $5.00 $0.00
Example 1: Physician Consultation
* Reimbursement based on the CFE Fee Schedule

4. Premier Prestige Elite
Your Medical Bill $1,200.00 $1,200.00 $1,200.00
Out-Of-Pocket $110.00 $105.00 $100.00
CFE Reimbursement* $200.00 $200.00 $200.00
WellAway Reimbursement $1,000.00 $1,000.00 $1,000.00
You Pay: $0.00 $0.00 $0.00
Example 2: Medical Imaging
* Reimbursement based on the CFE Fee Schedule

5. Premier Prestige Elite
Your Medical Bill $14,000.00 $14,000.00 $14,000.00
Out-Of-Pocket $4,600.00 $2,500.00 $1,000.00
CFE Reimbursement* $2,400.00 $2,400.00 $2,400.00
WellAway Reimbursement $9,400.00 $11,500.00 $11,600.00
You Pay: $2,200.00 $100.00 $0.00
Example 3: Hospitalization – 2 Days
* Reimbursement based on the CFE Fee Schedule