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GeoBlue Xplorer for Expats, International Travel and Health Insurance

GeoBlue Xplorer Premier Expatriate Health Insurance Plans...

GeoBlue Xplorer Premier BrochureGeoBlue Xplorer Expatriate Quote and EnrollIf your plans to travel or live abroad will keep you away from the United States for more than 6 months, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment and unfamiliar providers. The GeoBlue Xplorer health plans are designed to support the international lifestyles of people just like you.

The GeoBlue Xplorer Premier plan is the ultimate international health plan because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of Online and mobile tools used to identify, access and pay for quality healthcare all around the world. GeoBlue Xplorer gives you the freedom to access care inside and outside the U.S. If you need benefits outside the U.S. GeoBlue provides unsurpassed service and the convenience of mobile technology to access the best medical care no matter what town, country or time zone.

Solutions for Employers Too...

Human Resources and Benefit professionals understand the risks involved with sending an employee and their family abroad on a foreign work assignment.  Providing your workers with the best available tools while away help the employees peace of mind, knowing they will be provided excellent medical insurance coverage, access to quality medical professionals, help with foreign medical laws and systems and help, advice and coordination when emergencies strike.

Companies who have essential business travel needs often send employees to unfamiliar locations where they may encounter situations that present increased risk and threats to their health, safety and security. Very real threats such as terrorism, infectious diseases, natural disasters, crime and political instability increase the risk to the business traveler and therefore the potential liability of the employer.

International Employees who travel abroad can enjoy having one international medical policy to take care of them regardless of where they are in the world. Not all employer groups seek a group Intnernational health insurance policy for the company but rather a more targeted approach for a smaller number of employees that have agreed to accept a new assigment abroad. Simple cost effective solutions for the employer who seeks coverage for a single employee or two is paramount as International Cover is just one of the many checklist items an employee moving abroad must address. The Xplorer Premier, Essential and Select plans fit the needs of many employees moving abroad and in fact offer a much easier solution for the employer.

Access to an Elite International Provider Community

Geoblue has a network of doctors from almost every specialty in over 190 countries to see you. Only a small fraction of doctors around the world meet GeoBlue standards - participation is by invitation only. GeoBlue seeks out professionals certified by the American or Royal Board of Medical specialties who speak English, and they factor in recommendations by over 165 Physician Advisors from all over the world. GeoBlue then assembles in-depth profiles so members can choose with confidence and GeoBlue puts formal contracts in place to ensure patient access. GeoBlue doctors bill them directly so you don't have to file a claim. If you receive treatment within the United States you have cashless access to the Blue Cross and Blue Shield network in all fifty states.

Personal GeoBlue International Health Insurance Quote

Xplorer Premier Xplorer Essential Xplorer Select
For Ages 74 or Younger For Ages 74 or Younger For Ages 64 or Younger
Renewable to age 84 Renewable to age 84 Renewable Through Age 64
Deductibles:
$0, $1,000, 2,000, $5,000
Deductibles:
$0, $1,000, 2,500, $5,000
Deductibles:
$0, 2,500, $5,000
Global Coverage Including U.S.A. Excludes U.S. Coverage Excludes U.S. Coverage
Does not require U.S. Healthplan Does not require U.S. Healthplan Requires U.S. Domestic Healthplan
Dental/Vision Available with Elite & 1000 plan Dental/Vision Available with Elite & 1000 plan Dental/Vision Available with Elite & 1000 plan
Medical Maximum: UNLIMITED Medical Maximum: UNLIMITED Medical Maximum: UNLIMITED
Emergency Medical Evacuation Emergency Medical Evacuation Emergency Medical Evacuation
No waiting periods for preventive service No waiting periods for preventive service No waiting periods for preventive service
Requires Full Medical Underwriting Requires Full Medical Underwriting Expedited Medial Underwriting
Credible Coverage Certificate Accepted Credible Coverage Certificate Accepted Credible Coverage Certificate Accepted
Coverage for Terrorism Events Coverage for Terrorism Events Coverage for Terrorism Events
Emergency Medical Evacuation Emergency Medical Evacuation Emergency Medical Evacuation
Click for Brochure Click for Brochure Click for Brochure
GeoBlue Xplorer Premier Application Link GeoBlue Xplorer Essential Quote Link GeoBlue Xplorer Select Application Link

Personal Safety Intelligence

GeoBlue Expat Travel Guide to HealthGeoBlue maintains unsurpassed resources designed to promote personal safety by giving members convenient access to vitally important news, health and safety analysis and medical translation tools.

  • Global Health and Safety news alerts published daily and delivered by email or smart-phone
  • City-level profiles for 228 cities and 130 countries
  • Brand-name equivalents for 400 common over-the-counter and prescription drugs in 44 of the most frequently visited countries
  • Translation of hundreds of medical terms and phrases into the 14 most widely spoken languages
  • GeoBlue maintains a 24/7, toll-free call center to assist members

Emergency Evacuation and Centers of Excellence

GeoBlue coordinates emergency services with a worldwide network of contracted Physician Advisors as well as air ambulance operators selected for their safety records. Members in need of life-saving medical intervention are treated in Centers of Excellence in the U.S. and around the world, whenever possible.

Personalized Member Serivces

  • Informed ChoiceSM - When GeoBlue Xplorer members experience an unanticipated medical problem, they can request a second opinion and referral through the Informed Choice service. A GeoBlue Regional Physician Advisor is available to discuss the member’s diagnosis and treatment plan directly with the attending physician.
  • Personalized Recruitment - If GeoBlue Xplorer members need a physician or specialist in an area not currently covered by the GeoBlue network , GeoBlue will make every effort to recruit and contract with an appropriate, qualified doctor.
  • Personal Solutions - GeoBlue Xplorer members enjoy a full range of Personal Solutions. Your online and mobile tools allow you to check medical symptoms, understand your health risks and access personalized prevention and wellness recommendations.
  • Direct Pay - GeoBlue members can avoid paying out of pocket for care by using Direct Pay. Through this service participating providers outside the U.S. bill GeoBlue directly for covered medical treatment.

Three Plans Options Offered

GeoBlue Xplorer Premier and GeoBlue Xplorer Essential, and the NEW GeoBlue Xplorer Select plans all offer comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle. For families, the deductible and coinsurance maximum is a multiple of 2.5. After 364 days of continuous coverage, GeoBlue Xplorer members may re-enroll In a plan that matches their existing benefits.

GeoBlue Xplorer Essential Option

The GeoBlue Xplorer Essential plan covers most services outside the United States at 100%. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. Choose this plan option if you will not need coverage for services inside the United States.

GeoBlue Essential Plan Enhancements for 2016

  • The Dental/Vision rider will now available on the Elite AND 1000 plan options.
  • The Basic Prescription Drug Benefit included on this plan will be increased from $500 to $1000 AND the Maximum benefit of actual charges increased from 80% to 100%.
  • The Physical/Occupational Therapy benefit will increase from $30/visit, 12 visits per year to a $50 limit per visit, 12 visits per year.
  • Contraceptive services, surgeries and supplies will no longer be excluded under the policy.

Xplorer Essential Overview

  • Worldwide coverage, excluding U.S. offers a 50% savings
  • Define your deductible and prescription benefits
  • Deductible choices from $0 - $10,000
  • Choose provider either in or out of the GeoBlue elite Network
  • Unlimited annual and lifetime medical maximum
  • Deductible waived for office visits with doctors
  • No waiting period or sub-limit for preventive services
  • No precertification penalty for inpatient or outpatient care
  • Pre-existing conditions covered with credible coverage
  • Illnesses and injuries related to terrorism
  • Can be use on its own or with a domestic health plan

GeoBlue Xplorer Premier Option

The GeoBlue Xplorer Premier plan (includes cover in the U.S.) has three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.' 60% out-of-network inside the U.S. All plans have an unlimited maximum and a $250,000 maximum benefit for emergency medical evacuation. The Out-of-pocket Maximum is calculated by adding the deductible and coinsurance maximum together.

Xplorer Premier Plan Enhancements for 2016

  • The Dental/Vision rider will now available on the Elite AND 1000 plan options.
  • The Basic Prescription Drug Benefit included on this plan will be increased from $500 to $1000.
  • The Basic Prescription Drug Benefit included on this plan will now offer coverage inside of the U.S. up to $1000.
  • The Physical/Occupational Therapy benefit will increase from $30/visit, 12 visits per year to a $50 limit per visit, 12 visits per year.
  • Contraceptive services, surgeries and supplies will no longer be excluded under the policy.

Explorer Premier Overview

  • Worldwide coverage, including the United States
  • Customize your medical coverage to suit your needs
  • Deductible choices from $0 - $5,000
  • Define your deductible and prescription benefits
  • Choose provider either in or out of the GeoBlue elite Network
  • Unlimited annual and lifetime medical maximum
  • Deductible waived for office visits with doctors
  • No waiting period or sublimit for preventive services
  • No precertification penalty for inpatient or outpatient care
  • Pre-existing conditions covered with credible coverage
  • Illnesses and injuries related to terrorism
  • Can be kept upon return home, offering unique portability

GeoBlue Xplorer Premier Application Link

Emergency Medical Evacuation

GeoBlue Medical EvacuationWorld travelers need to properly protect themselves against financial exposure due to catastrophic medical events. If comprehensive travel medical benefits and assistance services are not secured before you travel, you could find yourself exposed to huge losses - both physical and financial. Though illness can strike at any time, when severe incidents occur overseas, lack of proper coverage can leave you the traveler with steep medical bills for less than sufficient care.

As a global traveler you need to be prepared for the possibility that you could find yourself in a location where the Medical Care is poor or inaccessible. In the event you find yourself in a situation where you need to be evacuated to an area where you can receive the appropriate level of care then you need to make sure your International coverage includes a comprehensive Emergency Medical Evacuation benefit. Medical evacuations are not a simple procedures and they can be extremely complicated and expensive. This must be available to you 24/7 no matter where in the world your travels take you. In addition you need a partner who is capable of organizing and caring out the evacuation no matter where you find yourself.

Considerations for any medical evacuation are:

  1. Evaluating the appropriateness of local health care providers
  2. Identifying the closest facility where a high level of care is available
  3. Determining the risk vs rewards of moving the patient
  4. Choosing the best method of transport (ie: ambulance, helicopter, fixed wing air ambulance)
  5. Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to move
  6. Enlisting the most appropriate team to handle the transport (ie: doctor, nurses, therapist)
  7. Arranging for speedy and appropriate intake at the receiving facility
  8. Having someone on your side helping guide you through the whole process - that is GeoBlue...

Make sure when you travel, you travel with a full service, travel health plan that provides a higher level of protection and peace of mind than standard evacuation memberships offer. If you are not sure about your current plan or one you are considering make sure you get a copy of your certificate of coverage and read it. Make sure you have a complete picture of what you are buying. Then cover yourself with the Power of Blue. GeoBlue offers this type of comprehensive coverage and it is built into their Xplorer Premier, Xplorer Essntial and Xplorer Select Medical plans for Expats.

GeoBlue Xplorer Select for ExpatsThe New GeoBlue Xplorer Select Ex-pat Plans...

The GeoBlue Xplorer Select health plan is designed to support the international lifestyles of those who travel from the United States for extended periods of business, leisure and study. If your plans to travel or live abroad will keep you away from the United States for more than 6 months and at least three months per year GeoBlue Xplorer Select may be what you need. Your health and financial security may be at serious risk because of significant gaps in most available insurance coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment and unfamiliar providers. The GeoBlue Xplorer Select health plan is designed to support the international lifestyles of people just like you. The GeoBlue Xplorer Select plan is unique in that it provides U.S. Ex-pats with a bridge between their existing domestic health insurance coverage to an International Ex-pat product with no lapse in coverage or pre-existing issues. As long as the applicant does not have an auto-decline health problem and they maintain a ACA Compliant health insurance plan with continuous coverage then any pre-exisiting conditions are waived. The policy holder must maintain their U.S. coverage the entire time they are out of the country.

Click Here for more information on the NEW GeoBlue Xplorer Select plan...

Dental and Vision Rider

GeoBlue offers an option Dental and Vision Rider for those who apply for the Xplorer Elite and 1000 plans. Dental Care Expenses are broken down into 3 classes. With an annual maximum benefit of $1,500 per member and 100% preventive Dental covered, this is a rider worth consideration. In addition to the Dental Benefits, GeoBlue will pay for Covered Expenses per Policy Year as stated in the Schedule of Benefits. Vision Care that is not the result of an Injury or Illness. The Deductible is waived. Your coverage includes benefits for vision care when you receive such care from a Physician, Optometrist or Optician. For vision care benefits to be available such care must be Medical Necessary and rendered and billed by a Physician, Optometrist or Optician, and you must receive such care on or after the Coverage Date. Click on the brochure image to the right for more detailed information about the Dental and Vision Rider.

samsung_4GeoBlue Mobile App Empowers Members to be Prepared

With the GeoBlue mobile app, members can quickly research information while preparing for a trip abroad, a vacation or for an expat assignment. Our customers' favorite planning tool, the Health Atlas, allows members to access important destination information. In addition to this, GeoBlue members can continue to use the app to complete these important tasks:

  • Find trusted medical care
  • File a paperless claim*
  • Show/email/fax their ID card to a provider

When you are traveling or living abroad there is no better friend then your GeoBlue Mobile Phone App.  As a member it is FREE to you and everything you can do online with your GeoBlue Member Account you can do on your phone.  Simply search your Apps Programs and search for "GEOBLUE" and download it to your phone.

Features

  • Search providers for medical, dental, or mental health care and map them using GPS technology*.
  • Arrange direct pay for future appointments to secure cashless access to care.
  • Access Guarantees of Payment to view and share with others including doctors and hospitals.
  • File a claim either by entering information in the app or by sending a photo of a completed form.
  • Find a medication’s availability, generic name, and local brand name.
  • Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation.
  • Display an ID Card on a smart phone and fax a copy directly to provider’s office.
Xplorer Vision and Dental BrochureWhy Choose GeoBlue?

Go with a name and brand you can trust. GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue health plans are offered in cooperation with certain local Blue Cross and Blue Shield companies, with a network that includes more than 90 percent of physicians and 80 percent of hospitals across the U.S. GeoBlue’s comprehensive portfolio of international health insurance plans demonstrates the commitment to covering members both at home and abroad.

Strength of a U.S. Insurer - Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross Blue Shield Association.

Better Coverage - Their plans are U.S. licensed and feature coverage more generous that plans sold as "surplus coverage".

  • Their plans do not restrict illnesses or injuries resulting from a terrorist act
  • They do not impose precertification penalties for hospitalization.
  • They provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by GeoBlue's Choice plan.

Moving abroad can be full of major decisions and requirements for those outbound Expats.  GeoBlue offers the true Expat with some of the best tools in the industry.  If you are considering a change and if you are moving abroad then consider reaching out to us and let our 30+ years of experience helping expats both outbound and inbound from the United States by calling (307) 690-0427 or email us at "sales@individualhealth.com".  We are here to help.

The J1 Visa

Are you here in the United States on a J-1 Visa? One of the requirements for foreign students planning to study in the U.S. is that they must maintain a health insurance policy that will cover them within the U.S. and there are minimal limits that are required.  In addition there are requirements as to the financial stability of the insurance company that issues the policy.  Below is the requirement and this comes straight from the U.S. State Departments Website… GeoBlue Navigator meets and exceeds both the U.S. State Department requirements and just about any other higher limits required by the school you may be attending.

“Program participants and their dependents are required to have medical insurance coverage with the following minimum benefits [22 CFR 62.14].

  • Medical benefits of at least $50,000 per accident or illness
  • Repatriation of remains in the amount of $7,500
  • Expenses associated with the medical evacuation of the exchange visitor to his or her home country in the amount of $10,000
  • A deductible not to exceed $500 per accident or illness.

Sponsors are to require that their participants (and any dependents entering the United States as holders of a J-2 visa) have insurance in effect during the period of time they are in the sponsor’s program. An insurance policy secured to meet the benefits requirements must be underwritten by an insurance corporation with an A.M. Best rating of “A-” or above, an Insurance Solvency International, Ltd. (ISI) rating of “A-I” or above, a Standard and Poor’s Claims Paying Ability rating of “A-” or above, or a Weiss Research, Inc. rating of B+ or above. Alternatively, the sponsor may ascertain that the participant’s policy is backed by the full faith and credit of the government of the exchange visitor’s home country. For other options, see [22 CFR 62.14].

Program regulations also discuss coverage through HMOs and self-insurance of the above requirements by federal, state or local government agencies, state colleges and universities, and public community colleges, if permitted by law. Refer to [22 CFR 62.14] for additional information.”

CLICK HERE FOR MORE INFORMATION FOR STUDENTS AND FACULTY

The Affordable Care Act and U.S. Citizens Living Abroad

International Health Insurance and the ACAMoving abroad is an exciting time for most people. There is plenty to do prior to departure. For American Citizens it is important that they understand what responsibilities they will have to meet should they move broad with regards to the Affordable Care Act. Most Americans today know that they are compelled to purchase what we now refer to ACA Compliant heath insurance so that they are not required to pay the Shared Responsibility Payment (IRS Penalty) for not having "Minimum Essential Coverage"

U.S. citizens living abroad are subject to the individual shared responsibility provision. However, U.S. citizens who are not physically present in the United States for at least 330 full days within a 12-month period are treated as having minimum essential coverage for that 12-month period regardless of whether they enroll in any health care coverage. This is known as the Physical Presence Test.

In addition, U.S. citizens who are bona fide residents of a foreign country (or countries) for an entire taxable year are treated as having minimum essential coverage for that year. In general, these individuals qualify for the foreign earned income exclusion under section 911.

Individuals may qualify for this rule even if they cannot use the section 911 exclusion for all of their foreign earned income because, for example, they are employees of the United States. Individuals that qualify for this rule need take no further action to comply with the individual shared responsibility provision during the months when they qualify. They will report their status with their federal income tax return on Form 8965

U.S. Citizens who do not meet the physical presence or residency requirements muct have minimum essential coverage (an ACA Compliant healthplan), qualify for a coverage exemption, or make an individual shared responsibility payment when they file their federal income tax returns. Note that minimum essential coverage includes a group health plan provided by an overseas employer.

This is a complicated subject so we are providing a link to the IRS Publication 5187 as one reference source for you to have. Simply click on the brochure image above to view the IRS Publication. We suggest that you consult with your CPA or Tax Professional to help you better understand your responsibilities prior to moving abroad.

Click Here for more information about The Affordable Care Act and the International U.S. Expat...

GeoBlue Short Term Plan Links

Residing or traveling for a short term period outside your country of citizenship may create challenges to your current health care program. Brief trips expose you to risks which may not be covered by your current domestic health insurance plan. It is prudent to procure International Health Insurance coverage prior to leaving your home country and traveling aboard. In addition some countries you may be traveling to may require proof of coverage as a condition to your visa. When you are traveling abroad and your coverage needs to provide benefits for things such as Sickness, Accident and Medical Evacuation. Most domestic plans do not cover medical evacuation which can cost as much as $250,000 or more. In addition you will also need more than insurance. You will also need knowledge, information and safety resources that will help keep you safe and health.

Single Trip Plans
GeoBlue Voyager Single Trip Travel Medical
Health and accident international health insurance for short term trips.
GeoBlue Voyager Travel Medical Single Trip Quote
Multi Trip Plans
GeoBlue Trekker Travel Medical Mult-Trip Plan
International health insurance for the international travelers who are frequent travelers.
GeoBlue Trekker Travel Medical Mult-Trip Plan Quote
Single Trip Group Plans
GeoBlue Voyager Travel Medical Single Trip Group Plans
Groups traveling Internationally that have five or more people qualify for lower rates.
GeoBlue Voyager Travel Medical Single Trip Group Plans Quote
     

GeoBlue Long Term Plan Links

Living outside of the United States or your home country for more than 6 months creates a threshold that you cross that requires a thoughtful approach to making sure your health insurance coverage meets or exceeds your needs. This is especially true for those of us who live in the United States. If you have a domestic health plan it is important that you look carefully into the details of the plan should you move outside the U.S. for more than 6 months. Most plans will not cover you once your have moved and are outside the country for an extended period of time. And for those plans that remain in force while you travel - be careful as the coverage will generally only cover you for emergencies. Coordination of payment with overseas providers will more than likely not exist and should you end up in a medical facility that is not part of their overseas networks than you will more than likely be on your own and responsible for your own payment for services.

Expat Worldwide
GeoBlue Xplorer Premier International Health Insurance for Expatriates
International health plans that cover you inside and outside the U.S.
GeoBlue Xplorer Premier International Health Insurance for Expatriates Quote
Expat Crew
GeoBlue Navigator International Health Insurance for Expat Maritime Crews
International health plans that cover you inside and outside the U.S.
GeoBlue Navigator International Health Insurance for Expat Maritime Crews Quote
Expat Missionary
GeoBlue Navigator International Health Insurance for Expat Missionaries
International health plans that cover you inside and outside the U.S.
GeoBlue Navigator International Health Insurance for Expat Missionaries Quote
 
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GeoBlue International Travel Medical Plans for Expatriates Free Quote
 
Cigna Global International Health Insurance for Individuals and Families, Free Quote
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©2000 - 2017 Timothy N Jennings, Authorized Agent, All rights reserved.
Authorized Independent GeoBlue Agent, P O Box 6374 Jackson Hole, Wyoming 83002-6374, sales@individualhealth.com