International Student Health Insurance for US High Schools

International Students looking for health insurance in the U.S. have several options.  A high end comprehensive international medical plan, a discount international plan, or a domestic Affordable Care Act plan.

U.S. Based Health Plans

All are quite different from each other. The ACA plan comes in 4 benefit levels; Bronze, Silver, Gold and Platinum.  To equal the international plans benefits, you will need to enroll in either a Gold or Platinum plan. Depending on the you are attending school a Gold or Platinum is going to have a much higher premium then the High end international plan.

Also, domestic ACA plans do not cover emergency evacuation and repatriation services.  If the student has a severe injury or illness and simply wants to return home for their care, the U.S. based plan will not cover the costs for the air ambulance.  If the student has certain illnesses or a severe injury, most domestic flights will not allow them to fly. In this case a medical transport company will be necessary to deliver the student back home.

Discount International Health Plans

The typical discount international health insurance plan will have good benefits, a nice network of doctors and hospitals and a lower premium. The most dramatic difference between the “high-end” international health company and the “discount” company is how each company looks at claims, pre-existing conditions and exclusions.

pre-existing condition:

Below is an example of a discount company’s pre-existing condition clause.

Any medical condition, sickness, injury, illness, disease, mental illness, or mental nervous disorder, regardless of the cause, that with reasonable medical certainty existed at the time of application or any time during the 12 months prior to the coverage start date of this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed.

Below is a “high end” company pre-existing condition clause.  You can see this description is much more reasonable.

Pre-existing conditions do not cover services for treatment of a
medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 365 days immediately preceding the member’s eligibility date.

Comprehensive Global medical insurance cover for the student studying outside of their home country, along with access to qualified physicians and hospitals in over 190 countries.  Protect yourself against unforeseen accidents and illnesses.

  • International Medical coverage for the global student.
  • U.S. student and foreign students studying and living abroad.
  • Hospital coverage, doctor visits, prescriptions, lab & X-ray, psychiatric svc., emergency room, surgery, preventive services, check ups, and much more.
  • Emergency medical evacuation & repatriation.
  • 24/7/365 member assistance services.
  • Access to qualified doctors, hospitals and specialists worldwide.

Please contact me anytime with questions.

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

Information Request:

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GeoBlue Trekker Multi Trip International Medical

GeoBlue Trekker is designed to provides travelers with comprehensive international health and accident  insurance for multiple trips throughout the year.  An unlimited number of international trips up to 70 days for each international trip.

The Trekker Multi-Trip is an annual insurance policy used by individuals, families and employees. One policy for 12 months, covering you for an unlimited number of international trips.

  • Annual Premium:  $175 – $265

The annual premium is also a big reason for it’s popularity, for individuals up to age 50 the annual premium is only $175 for the annual policy.

GeoBlue Trekker is an annual international medical policy covering anyone who travels globally multiple times per year.

health-insurance-provides-little-and-often-no-coverage-abroad

Insurance – Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill or injured.
Information – Where do you turn to learn which hospitals and physicians meet your standards? Keep up with breaking news about health and safety threats?  Translate key medical terms and brand name drugs?

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

GeoBlue Trekker Classic

Money Back Guarantee:

We are so confident in our products that we offer the best guarantee in the business!  If you are not completely satisfied with your purchase, notify us in writing indicating your desire to cancel.  If you have not departed on your trip before the date of the communication, you will receive a full refund.

Why Choose GeoBlue Trekker?

Strength of a U.S. Insurer – Underwritten by 4 Ever Life Insurance Company, rated A- Excellent by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association.
Better Coverage – Our plans have met the standards of state regulators and feature coverage more generous than plans sold as “off-shore” surplus coverage by foreign, non-admitted insurers. FOr example, our plan covers every trip taken, up to 70 days in length, in addition, we do not impose pre-certification penalties for hospitalization. Lastly, we provide coverage for pre-existing medical conditions and injuries related to a terrorist act.
A Better Kind of Care – Global travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice – no matter what town, country or time zone. Travel anywhere knowing that if your health is a concern, getting good care is not.

Trekker Coverage Start Date – The insured person’s coverage under the GeoBlue Trekker plan for a trip during the period of insurance starts for a scheduled trip to a Foreign Country, when the insured person boards a conveyance at the start of the trip; and notwithstanding the foregoing, no coverage is in effect for a trip unless the insured person is scheduled to spend at least 24 hours away from home.

Trekker Coverage End Date – The insured persons coverage under this plan for a trip ends for a scheduled trip to a Foreign Country, when the insured Person alights from a conveyance at the completion of the trip; and in no event will coverage for a trip extend past the Maximum Trip Coverage Period of 70 days.

Choice of Hospital and Physician

Nothing contained in this plan restricts or interferes with the Eligible Participant’s right to select the Hospital or Physician of the insured person’s choice.  Also, nothing in this plan restricts the insured person’s right to receive, at his/her expense, any treatment not covered by this plan.

Access to an Elite International Provider Community

Outside the U.S. – GeoBlue has a network of doctors that includes almost every specialty you may need in over 180 countries.  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 from over 140 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.

Use the App:

Find doctors worldwide, fill a prescription, forward your ID card, view translations, where are high risk areas, understand what immunizations you need for the visited country, and much more.

mobile-app

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.

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 relationships with it’s international provider Community.

GeoBlue Travels with You

While traveling across the globe with the GeoBlue mobile app, you can quickly and conveniently find and access quality care using your mobile device.

Call today for more information.

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

Information Request:

Move Abroad, your U.S. Health Insurance will Cancel

If you or a family member moves their residence, even temporarily, to a location outside the U.S. for work, study or simply to live, the move will result in your U.S. health insurance policy being cancelled.  And it’s your responsibility to tell the carrier.

Here is an example of what you will find written in a U.S. health insurance policies regarding moving outside of the plan service area:

The Subscriber is responsible to notify us of any changes that will affect his or her eligibility or that of Dependents for services or benefits under this Agreement. We must be notified of any changes as soon as possible but no later than within sixty (60) days of the event. This includes changes in address. Failure to notify us of persons no longer eligible for services will not obligate us to pay for such services.  Acceptance of Premium for persons no longer eligible for services will not obligate us to pay for such services.”

There may be the occasional company which will keep your policy in force while you live abroad, but that is not the norm.

So what does this mean?  If you intent is to move abroad, you will need to secure a Health Insurance plan which will provide you with coverage worldwide.  Hospital care, emergency evacuation, doctor visits, lab and X-Ray, physical therapy, prescription coverage etc.

International Health Insurance from companies like GeoBlue (affiliate of the Blue Cross / Blue Shied companies) provides comprehensive global medical insurance for anyone working, studying or living anywhere worldwide.  GeoBlue Quote.

If you move abroad and continue to pay your U.S. health insurance premiums thinking by doing so will continue your coverage.  If a you become ill or have an accident and submit a claim, the companies claims department typically investigates all claims which arrive from outside the U.S. If they find you have been living abroad, they will most likely deny the claim and reimburse the premiums from the time you moved outside their service area.

If you have been able to keep your domestic coverage and fly back to the U.S. urgently seeking care, again most U.S. health insurance companies will investigate, and if they find you have been living abroad, the claim will most likely be denied.

This article is written simply to help you understand the “small print” of the U.S. carriers and how a misunderstanding can cost you dearly while working, studying or living outside the U.S. borders.

Find the right international medical plan for your unique needs.

Please feel free to contact me anytime with questions, I’ll be happy to help.

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