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

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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

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