The International markets for Expatriates continues to grow and with growth comes more and more confusion. If you are a U.S. Expat or a Foreign National that is living in the United States or working for a U.S. Company overseas GeoBlue has expanded their portfolio for the Expatriates living abroad. The GeoBlue Xplorer Premier is their flagship major medical plan for Expats living abroad for periods of 6 months or longer. One of the issues that U.S. citizens face when selecting a health plan that will meet their international needs is how the Affordable Care Act will affect them financially based on the amount of time one is out of the country.
Currently if you are a U.S. citizen and if you live permanently overseas you are allowed up to 35 days per year to return to the United States for business or pleasure and not be subject to the penalties from the ACA (ObamaCare). If you are in the United States for a cumulative number of days that exceed 35 days then you are required to maintain U.S. Domestic coverage or pay the IRS penalty each year. For those who plan to live abroad for 330 day per year or more the Xplorer Premier is the right plan for you. But if you will be returning to and from the United States throughout the year GeoBlue has a new product to meet just your needs.
In addition there has never been a time in recent memory where so many health risks seem to plague all corners of the globe. Ebola is just one of the most recent and most feared by all Nations. When you are living outside the borders of your home country you need to have access to the best possible medical care when the time arises. Aside from providing comprehensive health benefits what may be even more important is the ability to find proper medical providers when you are in a foreign place. Access to Care is one of the strengths of the new GeoBlue Xplorer Select. Few if any insurers offer access to a worldwide network of western medical standard providers but this is one of GeoBlue’s biggest strengths. And you can take it with you on your Android or Apple phone.
The New GeoBlue Xplorer Select Expat Plans
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.
GeoBlue Xplorer Select is the premier 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.
Requires Domestic Group or Individual Health Insurance to be Maintained
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. In addition this plan only requires the Ex-pat to maintain coverage for at least 6 months and be outside the border of the U.S. for 3 months or longer within a 12 month period. This product is a great alternative to implementing and administering a group plan when the need for ex-pat coverage is small in numbers. This allows the policy holder to be covered when in the United States by their U.S. Insurer and when they travel abroad the GeoBlue Xplorer Select takes over. And, GeoBlue is insured by a U.S. insurer and governed by U.S. insurance law.
Xplorer Select Plan Overview (not available in all states)
- Provides an unlimited annual and lifetime maximum
- No waiting periods associated with any preventive services
- Deductible choices from $0 – $10,000
- Pre-existing condition exclusion can be waived with proof of prior credible insurance. Note: you need to stay continuously enrolled under a U.S. Primary Health Plan to meet the eligibility requirements of this plan.
- Covers injuries or illnesses that are a result of a terrorist act
- Deductible waived for office visits with doctors
- No pre-certification penalty for inpatient or outpatient care
- Pre-existing conditions covered with credible coverage
- Access to GeoBlue’s elite providers can lead to better diagnosis, treatment and medical outcomes
- GeoBlue providers bill directly which eliminates paperwork hassles
- The strength of Blue. GeoBlue Xplorer Select is offered in cooperation with certain local Blue Cross and Blue Shield companies, which collectively cover 1 in 3 Americans
Beginning Tuesday September 16, 2014 you will be able to quote and apply online for this new plan making it a simplified process. This plan is one of the most flexible International Medical Plans backed by a U.S. Insurer we have available to date. If you are planning to move abroad and are confused call us at (307) 690-0427 or send us an email “firstname.lastname@example.org“.