A broken arm. A sore back. A sick child at 3 a.m. Health issues can hit any of us when we least expect it. Fortunately, Rivian’s medical plan provides you and your family comprehensive coverage.
You’re eligible starting on your date of hire, but you need to enroll.
Plan highlights
- Consultations: full cover for outpatient care
- Therapy: full cover for treatment with an approved therapist
- Acupuncturist
- Chiropractor
- Homeopath
- Osteopath
- Physiotherapist
- Private treatment: 100% reimbursement when received at a hospital listed in the AXA directory of hospitals
- Cancer care: full cover
- Mental health services: inpatient and outpatient treatment, plus Stronger Minds
- Doctor@Hand: unlimited video or telephone consultations with a private general practitioner
- Health at Hand: 24/7 helpline where general practitioners, midwives, pharmacists and nurses can help you with medical, prescription or treatment concerns
- Working body: telephone access to a physiotherapist for advice on muscle, bone or joint pain
- Dedicated nurse and expert health helpline: 24/7 telephone access to nurses and health care professionals for advice on a heart condition or cancer diagnosis or to answer your health care questions
- Dentist and optician cash back: provides dental and vision cover when referred for treatment
Be sure to check your membership certificate to confirm which plan options you have.
Your medical cover supplements the NHS. It doesn’t replace it. There are some conditions and treatments that are better handled by the NHS, including emergencies.
Pre-existing conditions
Pre-existing medical conditions that have occurred within the past five years are not covered under the plan until you’ve been a plan member for two years and symptom-free for 12 months. Symptom-free means having no symptoms even if you’ve been treated for the condition in that time period.
Cost of coverage
The employee plan is completely funded by Rivian. Most services are paid in full; however, excess costs are not covered. The cost of family cover for employees in levels RIV 1 to RIV 7 is calculated by AXA Health and deducted from your paycheque.
For complete plan details, including what is and is not covered, refer to your AXA Business Health guide
Making a claim
If your general practitioner recommends that you see a specialist, ask for an open referral to a private specialist. This allows the fast-track appointment service to make sure you’re covered, help you find the right specialist for you (which could be a specialist with the NHS), and make your appointment.
If you see a specialist or receive treatment without following this process, you may receive a bill for services that aren’t covered by your plan.
You can pre-authorise treatment by phone or online. If your claim is urgent, call AXA to make sure you’re covered for your claim before you have any treatment.
