GeoBlue Travel Medical Insurance Mexico

When traveling, vacationing, working, studying or living in Mexico, do you have one of these:

geoblue id card

If not, you should at least consider the advantages of having a GeoBlue International Travel Medial insurance plan in place while in Mexico, of for that matter, anywhere in the world.

QUOTE:

  1. 24/7 Member services help line. Emergency, questions about your plan, how to find a doctor, prescription refill and much more.
  2. Medical Evacuation Services: Land & Air. When you are seriously injured or ill, GeoBlue will fly you to the nearest hospital that can properly care for you, if your current medical facility situation is not adequate.
  3. GeoBlue will pay doctors and hospitals direct so you don’t have to.
  4. GeoBlue is in over 180 countries.
  5. Plans designed for a few days or permanent plans for those living or working abroad.
  6. Comprehensive hospital, doctor services, Rx, maternity, evacuation svc, physical therapy, dental, vision, lab, X-ray, outpatient surgery, and so much more.
  7. 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.
  8. GeoBlue has an elite network of doctors from almost every specialty ready to see you in over 180 countries.
  9. GeoBlue members use their mobile devices to access an exclusive level of care. The GeoBlue mobile app provides the most convenient access to the best doctors, hospitals and resources around the world.
  10. GeoBlue plans feature a full range of concierge-level services and convenient mobile and online self-service tools.

Health Services in Mexico:

  • High quality care available  –  Fair
  • Emergency services responsiveness  –  Fair
  • Pharmacy reliability  –  Fair

Environmental Risks:

  • Water Quality  –  Medium Risk
  • Air Quality  –  Medium Risk
  • Infectious Disease  –  Medium Risk

Vaccines for Mexico:

Vaccine or Disease Vaccination or Treatment Recommendations
Routine Recommended if you are not up-to-date with routine shots such as, measles/mumps/rubella (MMR) vaccine, diphtheria/pertussis/tetanus (DPT) vaccine, poliovirus vaccine, etc.
Hepatitis A Recommended
Hepatitis B Recommended, especially for those who might be exposed to blood or body fluids, have sexual contact with the local population, or be exposed through medical treatment (e.g., for an accident).
Japanese Encephalitis Not endemic
Malaria Recommended: Areas with malaria except states of Quintana Roo and Tabasco: Atovaquone/ proguanil, chloroquine, doxycycline, mefloquine, or primaquine. States of Quintana Roo and Tabasco: Mosquito avoidance.
Meningococcal Meningitis Not endemic
Rabies Recommended for travelers spending a lot of time outdoors, especially in rural areas, involved in activities such as bicycling, camping, or hiking. Also recommended for travelers with significant occupational risks, such as veterinarians, for long-term travelers and expatriates living in areas with a significant risk of exposure, and for travelers involved in any activities that might bring them into direct contact with bats. Children are considered at higher risk because they tend to play with animals, may receive more severe bites, or may not report bites.
Typhoid Recommended
Yellow Fever Not endemic

Communicate with Confidence

As a GeoBlue member, your computer or mobile device becomes a powerful translation tool. Our database consists of over 5,000 commonly used medical terms and 4,000 medical health phrases in dozens of languages.

It’s easy to find the term or phrase you need, and once you do, audio files allow you to play a precise translation in the world’s most widely spoken languages.

Rely on GeoBlue to help you translate brand names or find generic, and get accurate dosing information in the world’s top destinations. GeoBlue’s Equivalency Guide covers the most commonly used and prescribed medicines. If you can’t find the medication you need, our Global Health and Safety team can help.

So don’t think of it as just one more thing to carry with you, but something to carry you past medical misunderstandings. GeoBlue provides the best tools available to navigate the complexities of healthcare and arrive at the best decisions for personal care.

Current Alerts:

Alert Level 2, Practice Enhanced Precautions

  • Updated Zika Virus in Mexico January 15, 2016
  • Because Zika virus is spread by mosquitoes, CDC recommends that travelers to Mexico protect themselves from mosquito bites.

Watch Level 1, Practice Usual Precautions

  • Chikungunya in Mexico November 19, 2015
  • Beginning in October 2014, locally transmitted cases of chikungunya have been reported in Mexico. Local transmission means that mosquitoes in Mexico have been infected with chikungunya and are spreading it to people. CDC recommends that travelers to Mexico protect themselves from chikungunya by preventing mosquito bites.

Discover GeoBlue’s full array of travel and international medical plans for global lifestyles and sophisticated travelers. From a 2 week leisure trip to a 2 year work assignment, we’ve got you covered.

Please call or email anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

GeoBlue Travel Medical Insurance

GeoBlue logoGeoBlue International Health Insurance plans for anyone needing long-term comprehensive health insurance worldwide including coverage in the U.S.

Long Term Global Medical Coverage

U.S. Health and Medicare coverage stops as you know it when cross the border.  If your intend it to work or live abroad for 6 months or more, your carrier will deny all claims when you leave.  

Quote:   GeoBlue        Cigna Global

Don’t be stranded by your current health insurance company, enroll today in a GeoBlue Worldwide Medical plan.  Global coverage you can count on wherever you may be.

Your Domestic Insurance Cannot or Will Not do any of this:

For Example:  If you become ill or are injured because of a fall or car accident while abroad, will you be able to get in contact with your domestic carrier?  In the rare case you do; will they tell you where the nearest modern or westernized medical facility or hospital is in; Asia, Africa, Europe, Australia, Brazil or any other part of the world?

If the nearest medical facility is unacceptable will they air evac you to an appropriate medical facility.  Can they coordinate care, use translators or approve a surgery on your behalf?

The answer to all of these questions is; NO they can’t, and NO they won’t.  You need them late at night or on the weekend, maybe it’s an extended holiday?  Will they even except your call … What now?

Health insurance companies are simply not equipped to handle any type of international situation.  On the other hand, International Medical insurance companies like GeoBlue, specialize in this global market.

Claims, member services, translators, working directly with doctors, hospitals and pharmacies, contacting and coordinating emergency evacuations.  Helping you when you need medical attention wherever you are around the globe.

Pre-Existing Conditions & Exclusions  (please read)

Short & Long-Term Plans … Long Term plans are designed more for the longer trip, more than 6 months; Expatriates, International Student, Third Country National, employee on work assignment, or a global family living in multiple location through out the year.

Comprehensive and portable major medical international health insurance benefits with unlimited medical benefits.

Coverage for all destinations …  Africa .. Asia .. Central & South America .. Caribbean .. Eastern & Western Europe .. Middle East .. North America .. Oceania

Why GeoBlue?  A better kind of care for world travelers like you. Experience unsurpassed 24 /7 365 member concierge service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone.

GeoBlue Customers:

geoblue customers

 

Plans include:  Hospital coverage, doctor and outpatient visits, prescriptions, lab & X-Ray, Physical therapy, Emergency evacuation, Terrorism coverage, Maternity, coverage for pre-existing conditions and much much more.

The Value of Blue …

GeoBlue is an experience well beyond that of traditional international health insurance. Our health plans are offered in cooperation with local Blue Cross and Blue Shield companies.

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.

mobileMobile App …

Most convenient way to access the best local doctors, hospitals and resources:  Search providers and request an appointment, find medications, translate medical terms and phrases (use the audio feature to plain translation if necessary.  View your ID card and fax a copy directly to providers to confirm eligibility.

Contracted Community: Over 5,800 Physicians and 1,380 Facilities in 180 Countries

Pre-Selected Community:  16,000 Providers and 5,600 & Profiled Facilities In 210 Countries

  • Concierge-level 24/7/365 multilingual assistance centers.
  • 158 highly qualified physicians with regional responsibilities and expertise.
  • Online Physician Profiles.

GeoBlue logoGlobal travelers like you can leave home feeling confident that a trusted source of care is available at a moment’s notice—no matter what country, town or time zone.

GeoBlue’s highly qualified doctors speak your language, treat you like a friend, and bill GeoBlue directly for their services. With instant access in the palm of your hand and twenty-four/seven concierge support, you’ll travel anywhere with the peace of mind that if your health is a concern, getting good care is not.

GeoBlue international travel health programs are offered in cooperation with the Blue plans listed below.

GeoBlue Quote

Quotes for an employer group plans .. please call so we can discuss your options.

GeoBlue, the true Expat health policy, for wherever you go in the world.  From 2 days up to permanent policies.  Cover yourself and your family wherever you are in the world.

Call today, I’ll be happy to answer your questions right over the phone.

John Conner
916-682-1117
john@johnconner.com

Comments & Questions:

GeoBlue Xplorer Long Term International Health Plans

GeoBlue International Travel Health InsuranceGeoBlue Xplorer is a long-term International Medical insurance plan specifically designed to support the international lifestyles of those who travel to or from the U.S. from extended periods of business, leisure and study.

If you leave home for six months or more, your health and financial security are at serious risk because of significant lack of medical protection, when the person travels outside their country borders.

The GeoBlue Xplorer Premier plan “includes” coverage in the U.S.  The Xplorer Essential plan “excludes” coverage in the U.S.

GeoBlue Xplorer “Select” plan … if a person has pre-existing conditions, the Xplorer “Select” plan may be a good choice.  It requires having an underlying health insurance plan in place, such as a group health plan or Medicare.  The Select plan goes through a “limited” underwriting process, which allows more enrolments with pre-existing coverage to be approved.

Around-the-Clock Assistance Call Center:  GeoBlue maintains a 24/7, toll-free call center to assist GeoBlue members with everything from routine requests to medical emergencies.  The GeoBlue staff has years of experience with international medical assistance and has close working relationship with its international Provider Community.

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.

Easy Access to an Elite International Provider Community:  GeoBlue has a network of doctors from almost every specialty in over 180 countries to see you.  Only a small fraction of doctors around the world meet GeoBlue 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 148 Physician Advisors from all over the world.  then we assemble in-depth profiles so our members can choose with confidence, and we put formal contracts in place to ensure patient access.  Once they’ve seen you, GeoBlue doctors bill us directly so you don’t have to file a claim.  In the U.S. you have cashless access to the Blue Cross and Blue Shield network in all fifty states.

How the Plan Works … GeoBlue Xplorer Premier and GeoBlue Xplorer Essential plans 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 detailed benefits please see the brochure.  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 (continue their plan) in a plan that matches their existing benefits.

How to Apply … Applications are available online or may be initiated by telephone or email (call 916-682-1117 or email john@johnconner.com to start the enrollment process).  A personal check, money order or credit card number must accompany the application and must be sufficient to pay for one month of standard premium.  GeoBlue will hold the form of payment until an underwriting decision is made.

If your application is accepted, the payment will be applied to your account.  Quotes obtained online or by telephone are advisory only.  Actual premium is determined by the medical underwriting process.  GeoBlue will review your medical history as provided on the application and may request an Attending Physician’s Statement.  GeoBlue publishes standard premium rates for non-smokers.

Smokers and other applicants with certain medical histories may be offered a policy at a higher rate.  Not all applicants will be accepted.  Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval.

GeoBlue Xplorer is ideal for:  Employees on foreign assignment, International Students, U.S. inbound and outbound protection, expatriates, third country nationals, high risk areas or anyone leaving their home country for an extended period of time for work, study or to simply to live.

Comprehensive medical coverage designed for individuals, families and employer groups, short and long-term for both inbound and outbound locations. Global medical coverage along with access to the finest medical professionals possible wherever you are in the world.

Coverage includes; hospital care, outpatient services, prescription drugs, maternity care, lab and X Ray, annual screenings and preventive care and most other comprehensive medical services.  Access to an elite network of doctors, hospitals and specialists in over 180 countries.

Is renewal guaranteed under this policy? You can enroll in a GeoBlue Xplorer policy up to age 74. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all re-enrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

Do your plans cover maternity? After 364 days of continuous coverage, GeoBlue Xplorer members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions. Members do not need to submit a new health statement.

How much will the price increase next year upon renewal? Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all reenrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

Are preexisting conditions covered? If you were previously covered by a group or individual U.S. health plan that issued you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the six month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage.

Can the member keep this when they come home? Yes, for a maximum of 9 months. The Long Term plans stipulate that applicants intend to spend 3 or more months outside their home country per policy period.

Are prescriptions covered? Yes, the policy includes retail and mail order prescription drug coverage whether members are inside and outside the U.S. If a prescription drug is unavailable in a country outside the U.S. GeoBlue makes arrangements to ship the medication directly to the member.

Call today for more information.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments:

GeoBlue International Travel Insurance

GeoBlue International Travel Health InsuranceInternational Medical Coverage for illness or accident. Designed for global travel for Expatriates, International Students, Employees, Contractors, Third Country Nationals, vacations or anyone; working, studying, traveling or living outside their home country borders.  Domestic health insurance or Medicare coverage typically provides little and often no coverage outside of a persons home country.

3 Reasons:

  1. Your domestic health insurance or Medicare, provides little and often no coverage outside of your home country.
  2. Emergency Medical Evacuation – in the event of a serious injury or illness, your GeoBlue International Medical Insurance policy will provide 24/7 concierge services which include global specialists coordinating your air or ground emergency transportation to the nearest facility which can treat your condition.  And that includes flying you to another country or back to your home country for care.  Domestic insurance will not coordinate these services or pay for the costs.  This is very important coverage.
  3. Find a local doctor, and one who speaks your language, fill a prescription, make a doctors appointment, maternity coverage, psychiatric care, see a specialist.  All of these services and more are included in a GeoBlue International Travel Insurance plan, along with much more.  And remember .. your domestic coverage doesn’t help with these services while abroad.

Plans:

Domestic Health insurance companies are simply not designed to help clients abroad.  And typically provide no coverage while outside the U.S.

GeoBlue for example, has an elite network of doctors and hospitals from most every specialty ready to see you in over 180 countries.  And 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 they factor in recommendations by over 158 Physician Advisors from all over the world.

Technology has made it very easy to travel worldwide.  A few clicks on your Mobile phone or tablet, allows you to utilize the GeoBlue App anywhere in the world:  Find and access International doctors and hospitals.  Gain access to in-depth profiles and carefully selected doctors, dentists, hospital and clinics around the world.

Schedule appointments … Gain appointments on short notice with leading providers and have GeoBlue settle the claim directly.

Manage Your Claims … Print a claim form, submit a claim online or track the status of an existing claim.

Maintain Your Personal Profile … Download an ID card, view your plan benefits and edit your travel profile settings to receive customized information.

Other Key Member Services:

  • 24/7 Toll free or collect call assistance around the world.
  • Profiles of notable local pharmacies and travel clinics.
  • Translations tools for medications, as well as medical terms and phrases.
  • Emergency numbers, health and security risks, vaccination requirements, and news alerts.
  • Personal Health management tools including symptom checker and second opinion services.

There are many unique global insurance needs and coverage options.  Please contact me anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Information Request:

Senior Travel Insurance

GeoBlue International Travel Health InsuranceMore Seniors are traveling and living abroad then ever before, in fact, people over 50 make up the vast majority of travelers worldwide.

Seniors also pay more for travel insurance – but are also more likely to use it.  Be careful, you are NOT covered by Medicare abroad.  Medicare provides no coverage while outside the U.S. and Medicare Supplement coverage is very limited when traveling abroad.  Also, Medicare or your Medicare Supplement will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $25,000 or more if a nurse needs to accompany you on the return flight.

GeoBlue, a U.S. based International Travel Medical insurance company guarantees coverage and waives pre-existing conditions if you have an underlying medical plan like Medicare for their “Voyager” plans which provide comprehensive coverage worldwide for up to 6 months, for anyone age 84 or younger.  They also have long term plans for anyone wishing to live overseas for an indefinite period of time.  Click here for example Travel Medical Quotes.

GeoBlue Travel Medical Plans include: Hospital, outpatient, prescriptions, evacuation, injury from terrorism, doctor visits,

Traveling with 5 or more?  Save 10%.  GeoBlue offers a 10% discount for 5 or more traveling together.

In 2015 the office of Travel and Tourism showed U.S. citizens traveled more than 38 million international air trips to locations such as; Europe, Caribbean, Asia, South America, Central America, Oceana, Middle East, Africa, Mexico and Canada.

Fastest growing tourism destinations worldwide:

  1. Namibia
  2. Montenegro
  3. Zambia
  4. Angola
  5. China
  6. Cabon
  7. Burma
  8. Cambodia
  9. Thailand
  10. Thailand
  11. Cape Verde

medical evacWhy is insurance so critical for international travel?  Standards of hospitals and clinics vary greatly from country to country.  While you may find some that offer high quality care, you are also likely to find some that are considered to be “well below average” and even in poor condition.  In most cases an International Travel Medical Insurance plan is crucial for those needing acute care and even basic care. Obtaining healthcare in some parts of the world can be tricky. Some hospitals won’t provide any treatment–or won’t allow a patient to be discharged–until the hospital has received a guarantee of payment. Such guarantees are provided by Travel Insurance companies, in conjunction with assistance providers, but rarely by other insurers or managed care plans. This means you’ll have to pay in advance, perhaps as much as tens of thousands of dollars, with your credit card. Of course, for this to work the hospital must accept foreign credit cards and your card must have a sufficient credit limit.

Each GeoBlue policy is U.S. licensed and offers the most complete set of benefits and services in the industry.  An independent licensee of the Blue Cross Blue Shield Association

Stay Connected … GeoBlue provides a free “app” for your mobile device which provides proof of insurance, a copy of your ID card, you can also look up local contracted doctors and hospitals in over 180 countries, make and confirm doctor appointments, order your prescriptions and much more.

Don’t be left in the dark needing care in a foreign land.  Day or night, weekend or holiday, GeoBlue has a 24/7/365 concierge service waiting to hear from you in your time of need.  Do you thing Medicare or other domestic insurance companies will answer their phone on the weekend, late at night or on a holiday?  Not a chance.  Medical Protection worldwide .. GeoBlue.

Please contact me anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Quote & Information Request:

GeoBlue Trip Protector Travel Insurance Policy

GeoBlue International Travel Health InsuranceVacation and travel plans can change for any reason.  Savvy travelers insure their trip and their health with a policy from HTH Worldwide.

Finding a doctor in Marrakesh is easy, finding one that’s been to medical school … well, that’s where we come in.

What is Trip Protector? .. Vacation Insurance

A comprehensive plan that offers travel protection plus travel medical insurance.  Trip Protector includes medical protection, trip cancellation, trip interruption, baggage protection and more.  It boasts a complete set of services to help you identify, access and pay for healthcare services in 190 countries.

Trip Protector chart

Why Buy Trip Protector?

Your vacation may be at risk due to illness, injury, terrorism, financial default by your tour or cruise operator, dangerous weather conditions and more.  Trip Protector covers certain non-refundable expenses should covered circumstances force you to cancel or interrupt your vacation.

During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital or deal with an unexpected medical emergency.  Trip Protector also provides sickness, accident and medical evacuation benefits.

Compare HTH Trip Protector to Travel Guard …

(Click on each chart to view)

Trip_Protector_Economy_Comparison-2015Trip Protector – EconomyTrip_Protector_Classic_Comparison-2015

Trip Protector – Preferred

Trip_Protector_Preferred_Comparison-2015

Trip Protector – Preferred

HTH and GeoBlue Global Travel Medical …

A leader in helping international employees, students and travelers to identify, access and pay for quality health care anywhere in the world.

Global Health Tools …
  • Doctor search and profiles worldwide
  • Hospital profiles – Over 1,100 hospitals worldwide have agreed to accept the HTH Guarantee of Payment.
  • Proof of coverage.
  • Translation tools
  • Fill prescriptions
  • Schedule appointments
Case Study:

Location: Vietnam
Symptom: Abdominal Pain
Outcome: Evacuation to Thailand.

  • Clinic services in Vietnam: $1,788.00
  • Air Evacuation to Bangkok: $45,000
  • Hospital care in Thailand: $28,523.00
  • Patient and non-medical escort: $11,232.00
  • Total costs: $86,543.00
  • Member expense: Plan premium.

What good is insurance if you can’t find a doctor you can trust?  HTH worldwide provides unsurpassed service and the convenience of mobile technology ti access the best medical care no matter what town, country or time zone.

Remember Pre-Existing health conditions are covered if you purchase the Trip-Protector Classic 14 days before initial vacation deposit, or 21 days for the Trip-Protector Preferred.

Questions?

John Conner
John@JohnConner.com
916-682-1117

Information Request:

Employer Third Country National International Health Insurance

GeoBlue International Travel Health InsuranceInternational Health Insurance for A Third Country National (TCN) who is a person who is employed by a multinational organization who comes from neither the country where the organization has it headquarters, nor from the country where the employee is working.

Most third country national need a comprehensive International Medical plan but do not need access to the U.S. health care system which drives up premiums.  Many third country nationals dependents are not residing in the U.S. so do not need plans which are HIPAA or Erisa compliant.

U.S. employees on foreign assignment or Expatriates may need access to U.S. doctors and hospitals which can be part of their International health insurance plan options.  Some international health insurance companies will offer a choice whether the member wishes to include U.S. coverage or only international coverage on the policy.  U.S. residents who live abroad and choose to move back to the U.S. can enroll in an “individual” health insurance policy when they return to the states, but may have a small waiting period.  Employees who move back may also have options to enroll in their employer plan.

Popular Long-Term Plans …

geoblue and cigna expat benefits 2016

Third Country Nationals may also fall into a situation where they are not entitled to an employer health insurance plan, because of their location, or their employment status, such as; an independent contractor, or a certain visa type.  In this case the individual or family can always apply for an “individual” international health insurance plan, which they can take with them wherever they are worldwide.

In order to qualify for a TCN visa, the TCN must prove that they did not violate or overstay the period of their authorized period of admission, as indicated on their Form I-94.  If they did, they are not eligible for the Third Country National processing and must  apply in their home country.  Third Country National processing is also off limits to citizens of the three countries designated as state sponsors of terrorism: Iran, Sudan and Syria.

Also available are International Medical insurance plans for “Host Country Nationals.”  Who are employees who are hired in their own country by international companies from outside their home country.

International Health Insurance coverage options for Third Country Nationals includes coverage for; U.S. inbound and outbound coverage.  Short and long-term, along with coverage options which includes access to U.S. doctors and hospitals or only international coverage without U.S. coverage.

Please call or email anytime with questions.

John Conner
916-682-1117
john@johnconner.com

Information Request:

 

Silicon Valley H1B Visa Insurance

Silicon Valley executives state they typically have over 120,000 new computer related jobs available every year and our schools are only generating a little over 50,000 new graduates.  So where is the needed balance generated … H-1B visa workers.

It’s not just the tech industry clamoring for new foreign talent.  Health Care, financial services and manufacturing are also pushing Washington to increase the H-1B visa available numbers.

International Health Insurance for H-1B Visa workers.

Resident Aliens may enroll in a PPACA plan, enroll in the employers health plan or choose their own International Health Insurance plan from companies like GeoBlue or Cigna Global.

The advantages of your own International plan are; you may choose from a typically much larger network of doctors and hospitals while in the U.S. compared to a ppaca plan.  International plans continue to cover you when you leave the U.S. for short and long periods of time.  Also, if you are sent on a different foreign work assignment in another part of the world, you simply take your current International plan with you without needing to make any changes.

H-1B Visa Occupation

The H1B visa is designed to be used for foreign workers in “specialty occupations”, which require theoretical and practical application of a body of highly specialized knowledge in a field of human endeavor.

The occupation list includes, but not limited to, architecture, engineering, mathematics, physical sciences, social sciences, biotechnology, medicine and health, education, law, accounting, business specialties, theology, and the arts. The “specialty occupations” also require the attainment of a bachelor’s degree or its equivalent as a minimum.

Period of Stay
H1B Visa worker may be admitted for a period of up to three years. The time period may be extended, but generally cannot go beyond a total of six years. There are some exceptions under sections 104(c) and 106(a) of the American Competitiveness in the Twenty-First Century Act (AC21).
1. If the H1-B visa holder has submitted an I-140 immigrant petition or a labor certification prior to their fifth year anniversary of having the H-1B visa, they are entitled to renew their H-1B visa in one-year or three-year increments until a decision has been rendered on their application for permanent residence.
2. If the H1-B visa holder has an approved I-140 immigrant petition, but is unable to initiate the final step of the green card process due to their priority date not being current, they may be entitled to a three-year extension of their H-1B visa.
3. The maximum duration of the H-1B visa is ten years for exceptional Defense Department project related work.
Outbound Employees

U.S. resident employees who are given a short or long-term foreign assignment will need comprehensive medical coverage.  Either from the country they are working in, or an International Medical policy which will provide comprehensive medical coverage regardless of where they are in the world.  U.S. domestic health insurance does not provide comprehensive medical coverage outside the U.S. borders.

International medical policies can be designed as an “employer group” plan, providing policies to several employees in the same location or different global positions.  Or, the employee(s) can have their own individual policy which can be paid for by either the employer or the individual member.

Nice tools are available with GeoBlue Worldwide and Cigna Global.  Both have app’s which you can download that provide global information on doctor profiles, where to pick up prescriptions, view and send your ID card, translation tools, access to member services 24/7 and much more.

Also typically included in your policy will be International emergency evacuation, designed to fly you to the nearest medical facility, if treatment is not available to you locally or back to the U.S.

Kidnap and ransom insurance is becoming a popular add-on depending where you will be living, to protect employees and their families when traveling abroad.

Quote and Information Request form

Please contact me anytime with questions.

John Conner
916-682-1117
john@johnconner.com

GeoBlue International Group Health Insurance

GeoBlue International Travel Health InsuranceEmployee coverage when traveling, working and living abroad.  When your employees are working and living abroad, you have a basic responsibility for their safety and well-being.  Depending on the destination, an employee on assignment might be facing serious health, safety and security risks while employed abroad.

Some assignments may place the employee in higher risk areas.  Higher risks for infectious disease, work site and occupational risks, political and terrorism risks, lack of quality medical facilities and access to medications.

“Hot Zones” or high risk area’s the employer and employee must also be aware higher incidents of terrorism, kidnapping, war and attacks.

PLAN TYPES ..

  • Long Term  (6 months to Permanent plans)  Expatriates, Multinational Executives and Employees, Global families, extended vacations etc.
  • Short-Term  (few days up to 6 months)  Vacations, business trips, short term global travel.
  • International Students & Faculty – Inbound or Outbound (F-1 & J-1 Visa).
  • Vacation Insurance  Medical coverage with; trip cancellation, trip delay, lost/damaged luggage, cancelled vacation reimbursement.
  • Quote and Information Request form
Global Health Insurance for the Global Employee …

A quality International Health insurance policy can go a long way in helping assist the employee and family members with their medical, health and safety issues while abroad, including emergency medical evacuation and repatriation benefits.

GeoBlue Pays doctors Direct …

Some international insurers including GeoBlue pay their contracted doctors direct so the employee doesn’t have to save the receipts, submit the claim and wait for re-reimbursement which can take several weeks or months.

Your domestic health insurance card is typically a useless piece of plastic while seeking care abroad.  Without International health insurance you will need to pay the hospital and doctors on the spot before being treated. If you have Medicare, you effectively have no insurance outside the U.S. Medicare provides no coverage outside the United States and it’s territories.

Finding a Quality Doctor …

GeoBlue Worldwide is a company with an excellent mobile app which travel with you on your smart phone or tablet.  Find english speaking doctors in your area, search for contracted providers and see where they attended medical school.  Schedule appointments and email your ID card. Locate pharmacies and fill prescriptions.

Receive travel alerts; civil unrest, war and terror alerts.  Infectious disease concerns, what immunizations you will need before travel, and have 24/7 access to a team of professionals ready to help you with your health, travel and emergency concerns.

HR and Benefit professionals understand the risks involved with sending an employee and family abroad on a foreign work assignment.  So providing your worker with the best available tools while away will 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.

Organisations who need essential business travel, often sending employees to unfamiliar locations where they may encounter situations that present increased risk and threats to their health, safety and security

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. As workforce’s become increasingly mobile,

International Employees who travel to several global locations can enjoy have one international medical policy to take with them regardless of where they are in the world.

geoblue mobileGeoBlue members use their mobile devices to access an exclusive level of care. The GeoBlue mobile app provides the most convenient access to the best doctors, hospitals and resources around the world. Using the app, members can do anything from finding emergency services, to translating symptoms, to finding the right doctor at home or abroad.

With a few simple taps, members get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists and can then review qualifications, make an appointment, and get directions. Plus, proof of coverage is always at their fingertips, ready to show and share with providers.

Elite network of Global doctors …

GeoBlue has an elite network of doctors from almost 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 140 Physician Advisors from all over the world.

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

Members covered by a GeoBlue plan that offers benefits in the United States have access to the largest national network of providers and facilities; more than 92 percent of physicians and 96 percent of hospitals contract directly with Blue Cross and Blue Shield Plans.

GeoBlue Xplorer “Essential” Plan:

The GeoBlue Xplorer Essential plan (NO U.S. Coverage) 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 do NOT need U.S. coverage included.

“Essential Plan” … (Click here for info)

  • 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” Plan:

If you need U.S. coverage included in the International Medical policy. 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.

“Premier Plan” … (Click here for info)

  • 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 sub-limit for preventive services.
  • No pre-certification 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 Evacuation and Repatriation …

A medical emergency strikes … you’re working, studying or living abroad, you don’t speak the language.  What do you do, who do you call, where do you go?

Can you contact with your domestic carrier?  If so, will they tell you where the nearest modernized medical facility or hospital is in; Asia, Africa, Europe, Australia or any other part of the world?  If the nearest medical facility is unacceptable will they Med-evac you to an appropriate medical facility.  Will they coordinate care for you, use translators or approve a surgery on your behalf?  NO they can’t, and no they won’t.  What if it’s after hours or on the weekend, maybe it’s an extended holiday?  Will they even except your call … What now?

Don’t be stranded by your domestic health insurance carrier.  They may be a quality health insurance provider here in the states, but once you cross the border, they are simply not equipped to do what is needed.  International Health Insurance companies like GeoBlue Worldwide specialize in this very diverse, global medical environment.  They are experts in navigating the global medical landscape. They understand and are prepared to work with the hundreds of medical systems and languages currently in place around the globe.

Individual Plan or Group Plan?

Many employees, contractors, third country nationals, choose to enroll in “individual” policies instead of setting up a “group” plan for a business.  If the company need coverage for 5 or 10 employees in the same location or spread out abroad, individual plans work great.  The coverage between an Individual policy and Group policy are very similar.  The primary difference is the “individual” policy requires limited medical underwriting, which means the person applying for coverage must be approved medically.  Group plans do not require a health screening to be approved.

If the company has, for example more than 15 employees, a group plan may be the best option, since the medical screening will not hold up enrollment.  Feel free to call me with your situation and I can help with a few suggestions.

Expatriate Health Insurance …

Having joined the millions of others around the world who’ve taken the huge step in life to relocate to a new country, it’s important to secure peace of mind in as many aspects of your new life as possible. We specialize in health insurance policies for expats just like you, ensuring you have the very best of care available to you as and when you need it.

We currently provide health insurance for customers worldwide, and take great pride in being able to support the globally mobile population with a medical network of over 1 million hospitals and medical
professionals worldwide. With Cigna, you can create the policy that’s right for you and your family. We offer three distinct levels of cover, with a host of optional additional benefits. Read on to find out more about what we have to offer.

Why you may need us:

There are lots of different reasons you might need a Global Medical plan. Here are a few:

  • The quality of your local country’s healthcare system does not meet your standards or needs.
  • Or, even if you are to find good quality local healthcare, it’s too expensive.
  • You find the local healthcare system confusing or a struggle due to language or cultural barriers.
  • Your country of residence requires you to have international private medical insurance.

Don’t take any chance when working, living, studying or traveling abroad. If an illness or accident strikes, an International Health insurance policy from GeoBlue or Cigna Global will help and protect you and your family from the unexpected.

Feel free to contact me anytime with questions?

John Conner
916-682-1117
john@johnconner.com

Information Request:

GeoBlue Expatriate International Health Insurance

GeoBlue Expatriate International Health Insurance plans in 2019 go with you wherever you go worldwide.  Domestic health insurance and Medicare, tends to shrink and disappear when borders are crossed.

When traveling or living abroad, there are typically two options:

  1. Short-term plans typically provide coverage for a few days up to 6 months.
  2. Long-term plans are 6 months to permanent.

QUOTE:

GeoBlue Is:

  • Global specialty health services, technology and insurance provider.
  • The International solution for the Blue Cross and Blue Shield Companies – pairing the leading domestic brand with the leading international brand.
  • Leader in helping international employees, students and travelers to identify, access, and pay for quality health care anywhere in the world.

GeoBlue Customers:

geoblue customers

Long-Term Plans are for:

  • US employees and contractors on foreign work assignment.
  • Global families living part or full time abroad.
  • International Students living and studying in a foreign country.

All three types of plans offer you freedom to visit a doctor or medical facility of your choice without a referral, anywhere in the world.  Coverage levels and payment responsibilities vary among the three plan you are enrolled in.

Are you being hired as an “independent contractor” on assignment outside of your employers typical working locations?  Your employment status and location doesn’t fit in the usual employment benefits case … Are you contracted through a company subsidiary and not offered employee benefits because of logistics?

Do you need US coverage included with your International medical plan, or will you only need coverage outside the U.S.?  These are all questions which need to be answered.

GeoBlue Advantages …

  • Exceptional provider community.
  • 24/7 access to member services and emergency help.
  • Innovative tools and aps..
  • Concierge-level service.
  • Power of the Blue domestic network.

The GeoBlue Mobile App .. An Innovative Online and Mobile Tool … Most convenient way to access the best local doctors, hospitals and resources:

Search providers and request an appointment.  Find medication availability, translate medical terms and phrases and use the audio feature to play translation as necessary.  View your ID card and fax a copy directly to doctors to confirm eligibility.

Contracted Community:
  • Over 5,800 Physicians.
  • 1,380 Facilities in 180 Countries.
  • Concierge level 24/7 multilingual assistance centers.
  • Online Physician Profiles.

 geoblue id card

GeoBlue Xplorer  (Long-Term)

  • Comprehensive health insurance for international living.
  • Available to U.S. Residents (citizens and foreign nationals).
  • Three tiers of co-insurance: 100%, 80% and 60%.

GeoBlue Navigator  (Missionary or Vessel Crew)

  • Comprehensive health plan designed specifically to fit the budget and lifestyle of Marine, Crew and missionary market.
  • Affordable monthly premium.
  • No limit on time spent in or out of the U.S.

QUOTE:

Please call or email anytime with your question, I’m here to help.

John Conner
916-682-1117
john@johnconner.com

Questions & Comments: