GeoBlue Xplorer Premier Expatriate Health Insurance Plans...

If 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.

Short-Term Needs Only

If your plans for traveling abroad will not exceed 180 consecutive day or if you simply plan multiple frequent trips abroad through-out the year than the Xplorer plans may not be the right choice. Click the appropriate link below to visit the right information...

• Short-Term less than 180 days - Voyager Choice
• Multi-Trips throughout the year - Trekker Choice

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.

VERY IMPORTANT CONSIDERATIONS Not all plans are created equal! There a significant reasons many expat health plans are more expensive than others. Remember a health insurance contract is a promise to pay in the event medical services are required. One of the most important drivers of cost is how an insurer treats "Pre-Existing Conditions" How companies determine coverage can dramatically change the outcome of your claims being paid. The below verbiage is very unsettling. This is an example of a company who can dispute or deny just about any claim submitted. Below is a common example of how, many companies view, treat and cover pre-existing conditions:. Pre-Existing Condition - It is any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, regardless of the cause, including any congenital, chronic subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of the application or any time during th 12 months prior to the coverage start date of this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, for which medical advice diagnoses, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 12 months immediately preceding the coverage start date. GeoBlue's Xplorer Premier The GeoBlue Xplorer Premier pre-exisitng condition clause is much more lenient and provides a common sense approach to the policy pre-existing conditions. GeoBlue Pre-Existing Clause: The GeoBlue Xplorer plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days immediately preceding the member’s eligibility date. Credible Coverage: The 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan. This is where the rubber meets the road so to speak. If and when medical services are needed GeoBlue is there to get you though it. As long as the policy is enforce at the time of services and the services provided are medically necessary and covered under the policy your claims will be paid.

 

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

Personal Safety Intelligence

GeoBlue 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 GeoBlue Xplorer Plan Options

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

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.

Enhancements

• 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

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

• 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.

Xplorer 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

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 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

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 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.

GeoBlue 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

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 International Limited, Bermuda, 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.

How To Enroll

Once you have made your plan selection enrolling in the Xplorer plan for Expats requires you to complete either an Online application or you can download a copy of the printable version of the application by clicking on the image at the right. This application is a FILLIN PDF file that can be completed on your computer before you print. If you have ADOBE ACROBAT (Full Program) you can also save the file to your PC. The Online application is accessed directly from any quotes you generate from the GET A QUOTE button at the top of this page or quotes we have sent you direct. For a more detailed description of the Application Process for all of the Xplorer plans click the link below.

CLICK HERE FOR DETAIL ENROLLMENT DESCRIPTION

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