GeoBlue Voyager Choice International Travel Medical Insurance...

The GeoBlue Voyager Choice International Travel Medical Plan provides short term, single trip coverage for International travel abroad up to ages 84. Voyager Choice is GeoBlue's flagship travel medical insurance plan that includes services to help you identify, access and pay for quality healthcare. GeoBlue Voyager fills health and safety gaps internationally.

Insurance - Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill.

Information - Where do you turn to learn which hospital and physicians meet your standards? Keep up with breaking news about health and safety threats? Translate key medical terms and brand-name drugs?

Access to Quality Care - How do you find a western-trained, English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment? Each GeoBlue Voyager policy includes broad , deep and reliable Global Health and Safety Services easily accessed through the web or their toll-free customer service center.

Two Plans To Choose From

Voyager Essential Plan Highlights

• Choice of varying medical limits and deductibles
• For trips up to 6 months for ages 84 or younger
• Covers pre-existing conditions for medical services and medical evacuation
• Benefit Maximum Choices of $50,000, $100,000, $500,000, $1,000,000
• Emergency Medical Evacuation up to $500,000 per insured
• Deductible options of $0, $100, $250, $500
• Inpatient and Outpatient covered at 100%
• Does Not requires a primary health plan**

Voyager Choice Plan Highlights

• Choice of varying medical limits and deductibles
• For trips up to 6 months for ages 84 or younger
• Covers pre-existing conditions for medical services and medical evacuation
• Benefit Maximum Choices of $50,000, $100,000, $500,000, $1,000,000
• Emergency Medical Evacuation up to $500,000 per insured
• Deductible options of $0, $100, $250, $500
• Inpatient and Outpatient covered at 100%
• Requires a primary health plan**
• For those with no Primary Insurance select the Voyager Essential Plan Option

**Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must be coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan.

GeoBlue Voyager Comparison Essential Choice Maximum Benefits per Insured $50,000, $100,000, $500,000, $1,000,000 Deductible per Insured $0, $100, $250, $500 Professional Services Surgery, anesthesia, radiation therapy, inpatient doctor visits, X-ray & lab 100% 100% Office visits, X-rays & lab 100% 100% Inpatient Hospital Services Surgery, X-rays & lab 100% 100% Inpatient medical emergency 100% 100% Ambulatory surgical center 100% 100% Ambulance service 100% up to $1,000 Other Services Voyager Essential Voyager Choice Outpatient Prescription drugs outside the U.S. 50% of expenses up to $5,000 100% of expenses up to $5,000 Dental care required due to an injury 100% of covered expenses up to $300 per trip period 100% of covered expenses up to $500 maximum per trip period Dental Care for pain relief 100% of covered expenses up to $250 maximum per trip period 100% of covered expenses up to $250 maximum per trip period Physical and Occupational Therapy 6 visits per period of insurance, $100 Maximum Travel Assistance Benefits Insurer Waives Deductible Accidental Death and Dismemberment Maximum Benefit Principal Sum up to $25,000 Maximum Benefit Principal Sum up to $50,000 Repatriation of Remains Maximum Benefit up to $25,000 Emergency Medical Transportation Maximum Benefit per Trip Period for all Evacuations up to $500,000 Emergency Family Travel Arrangements Maximum Benefit per Trip Period up to $2,500 for the cost of one economy round trip air fare ticket to place the Hospital Confinement for one (1) person Lost Baggage & Personal Effects Coverage Maximum benefit of $1,000 per Trip Period Post Departure Trip Interruption Lodging & Incidentals Maximum benefit of $50 per day, up to 10 days Lodging & Incidentals Maximum benefit of $50 per day, up to 10 days

Frequently Asked Questions

• Does the Voyager cover me inside the United States? - No. The GeoBlue Voyager plans are designed to cover a member anywhere outside the U.S.. U.S. means the 50 states of United States of America including the District of Columbia, Puerto Rico, and the US Virgin Islands.
• Does the Voyager meet all schengen Visa requirements? - Yes, GeoBlue plans meet all of the Schengen Visa requirements. If you will be traveling to any of the countries within the Schengen area and depending on your nationality, you may be required to show proof that your insurance plan has certain benefits. GeoBlue can provide you with a Visa letter that you can use as proof to show the consulate that your policy meets all the Schengen visa requirements. The Visa letter contains all the specific wording the consulate is looking for.
  
  The countries within the Schengen area requiring a short-stay visa and proof of insurance include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France and Monaco, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland. See the most current list of countries within the Schengen area and find out which nationalities require a visa and Schengen travel health insurance.
• Are acts of terroism covered under the this plan? - Yes. The GeoBlue Voyager plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.
• How are medical evacuation decisions made? - The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary and must be approved by the Global health and Safety team.
• Will my pre-existing conditions be covered under the GeoBlue Voyager Choice? - Pre-existing medical conditions are treated differently depending upon the plan you have selected. The GeoBlue Voyager Choice plan is available to those who have primary insurance inside the U.S. and will cover medical treatments for pre-existing conditions. Please refer to the definition of a primary health plan for more specific information on what plans qualify as a primary insurance.
  
  Under the GeoBlue Voyager Essentials plan, benefits are not available for any services received on or within 6 months after the Eligibility Date of an Insured Person, if those services are related to a Pre-existing Condition as defined in the Definitions section of the Plan Description. This exclusion does not apply to a Newborn that is enrolled within 31 days of birth or a newly adopted child that is enrolled within 31 days from either the date of placement of the child in the home, or the date of the final decree of adoption.
  
  The pre-existing conditions exclusion under GeoBlue Voyager Essential does not apply to the Emergency Medical Transportation benefit, Repatriation Of Mortal Remains benefit, or the Emergency Family Travel Arrangements benefit. GeoBlue Voyager Essential does not require that insureds have primary insurance at the time of enrollment.
• How far in advance do you need to purchase a GeoBlue Voyager plan? - A GeoBlue Voyager plan may be purchased up to one day before your departure date. GeoBlue recommends that customers wishing to receive a hard copy ID card should allow 2 weeks prior to their effective date when purchasing.
• I already left on my trip. Can I buy a GeoBlue Voyager pla when I am oustide the U.S.? - A GeoBlue Voyager plan may be purchased up to one day before your departure date. GeoBlue recommends that customers wishing to receive a hard copy ID card should allow 2 weeks prior to their effective date when purchasing.
• Who is eligible to be on the same GeoBlue Voyager policy? - Dependents may include your spouse, age 74 or younger, and/or your eligible child(ren) or other eligible dependent(s)—see Eligible Dependents. For GeoBlue Voyager Choice, dependent may include your spouse, age 84 or younger, and/or your eligible child(ren) or other eligible dependent(s)

Emergency Medical Evacuation

World 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 carrying 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 completepicture 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 Voyager Choice and Voyager Essential Travel Medical plans.

Global Access On Your Mobile Device

GeoBlue provides access to amazing tools and level of care via a Smart Phone application which you download to your phone prior to departure. The GeoBlue mobile app called mMobile provides access to the best local doctors, hospitals and resources anywhere in the world. HTH's mMobile App helps you make the most of your travels by providing you with the tools to manage existing and unanticipated health conditions in faraway places where finding a doctor and explaining your symptoms should not be left to chance. mMobile brings you specific information and expert assistance to prepare and protect you no matter your destination.

Features of mMobile

• Search Providers for medical, dental, or meta health care. Mapping via GPS technology
• Request an appointment with a trusted HTH Worldwide or GeoBlue Provider
• Arrange Direct Pay
• Access Guarantees of Payment
• File a Claim via your phone
• Find a medication
• Destination Intelligence
• Translate Medicare terms and phrase.
• Display an ID Card on a smart phone and send copy directly to provider
• GeoBlue Mobile travels with your 24/7

Save 10% When you apply as a group with GeoBlue

When you travel as a group for trips of less than 180 days and if you have at least five people in your group then you may qualify for the GeoBlue Voyager Choice Group plan. With five or more people in your party you can save an additional 10% on your travel medical insurance premiums. It is easy to get a quote for your group.

Eligibility Requirements

• Home Country is the U.S. and;
• You must be under age 85 and;
• Enrolled in a Primary Plan** and ;
• For Children under age 6, must be enrolled with a parent and;
• Initial purchase must be made in home country prior to departing on trip from a GeoBlue eligible state

Why 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, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Assiciation.

GeoBlue Pays their Claims...

When you shop for a health insurance plan to cover yourself and your family what you are buying is really a promise to pay. A promise that if you find yourself in a situation where medical services are needed while you are traveling you want to know you have an advocate on your side to help guide you to the best possible medical care AND that your medical bills will be paid and done so in a timely manner. GeoBlue is that company. Click Here to view an actual case study that details how a Voyager Choice policy holder was treated.

GeoBlue is Different

• Enjoy 24/7 Phone, Web and Mobile Support
• Prompt Access to Trusted Doctors and Hospitals
• Cashless Appointment Scheduling
• Paperless Claims Resolution
• Destination Health Intelligence
• Access to Worldwide Travel Alerts via GeoBlue website

Physician & Provider Network - What Good Is Health Insurance If You Can’t Find a Doctor You Trust?

GeoBlue has an elite network of doctors from most every specialty ready to see you in over 180 countries. Only a small fraction of doctors around the world meet GeoBlue’s exacting standards—participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 158 Physician Advisors from all over the world.

GeoBlue assembles in-depth provider profiles so their members can choose with confidence, and they put formal contracts in place to ensure preferred patient access. GeoBlue doctors and hospitals bill GeoBlue directly so you don’t have to worry about filing a claim.

For members choosing a GeoBlue plan that offers benefits in the United States, you gain access to the largest national network and facilities that have been awarded the coveted Blue Distinction for superior medical outcomes. In the U.S., more than 80 percent of physicians and 90 percent of hospitals contract directly with Blue Cross and Blue Shield Plans.

I am Here Before, During & After the Sale

A little about me... I live and work in Jackson Hole Wyoming which is not only a beautiful place to live but I am blessed to be exposed to a multitude of International Expats from around the globe. This is all I do which is to say I am a full-time International Health Insurance Specialist that works daily with High Net Worth Families and their businesses from around the globe. I want to earn your business and I want you to know that I am one of your BEST resources in addition to the comprehensive infrastructure provided by GeoBlue after the sale.

I make myself available pretty much 24/7 to ALL of my clients and I am always ready to assist you and your family no matter where and when the need arises. I have direct access to the entire GeoBlue support system and in extreme cases I will work tirelessly to make sure you and your family are receiving the direct service required to meet you needs.

Living and working abroad is gift not many experience throughout their lives but for those of you who are blessed to be truly global in your work and personal lives it is my sincere wish that the only time we need to work together is the say hi at different points throughout the year and that you never have to experience the level of service GeoBlue is capable of delivering. But should that day come both GeoBlue and I are here to help you through the crises.

If you would like to explore the International Cover options for your family reach out to me by phone +1 (307) 690-0427 or email me at "sales@individualhealth.com" or simply complete the brief Quote Request Form below.