GeoBlue Xplorer Essential and Xplorer Premier Expat International Plans…

GeoBlue_logo2If 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 plan is designed to support the international lifestyles of people just like you.

GeoBlue Xplorer 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.

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. GeoBlue seeks out professionals certified by the American or Royal Board of Medical specialties who speak English, and they factor in recommendations by over 148 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.

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 35 of the most frequently visited countries
  • Translation of hundreds of medical terms and phrases into the 10 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.

GeoBlue_Xplorer_Brochure_lgTwo Plans Options Offered

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 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 Option – Xplorer Essential 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.

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 Option – GeoBlue Xplorer Premier 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 $350,000 maximum benefit for emergency medical evacuation. the Out-of-pocket Maximum is calculated by adding the deductible and coinsurance maximum together.

Explorer 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

DentalVisionDental and Vision Rider

GeoBlue offers an option Dental and Vision Rider for those who apply for the Xplorer Elite plan. 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.

Why Choose GeoBlue?

Go with a name and brand you can trust. GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, 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 Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is 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.

getaquote_blue

Leave a Reply