GeoBlue Xplorer for Expats Living Abroad…

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GeoBlue_logo2Getting ready to move and live in another country for an extended period of time can be an exciting yet stressful time in one’s life.  There are so many things one must line up before they depart from their home country.  Certainly one of the items on your list is most certainly International Health Cover which in many cases will be required by the host country.  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.  Some expats will more than likely qualify for some of the domestic health systems but be cautious as these plans will more than likely leave much to be desired and leave much at risk.  In almost every case should you choose to venture beyond the borders of your new home country coverage typically ends at the border.

Today there are a multitude of International Companies selling International Health Cover plans for expats.  However there is really only one that the is fully insured and backed by a U.S. Company.  GeoBlue is the premier U.S. Blue Cross Blue Shield branded product for U.S. citizens living abroad and foreign nationals that are living outside their home country but they work for a U.S. based company or have a U.S. connection.  GeoBlue is hands down the go to company for the U.S. Citizen planning to live, work or study abroad.

If you are going to be an expat living abroad from more than 6 months than you need to check out the Xplorer plans from GeoBlue.  GeoBlue offers 3 different versions of the Xplorer plan and these three plans will more than likely meet most of the needs of U.S. Citizens living abroad.

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Xplorer Premier

Xplorer Essential

Xplorer Select

BestChoiceExpat
NoUSCover BestChoiceSU
For Ages 74 or Younger For Ages 74 or Younger For Ages 64 or Younger
Renewable to age 84 Renewable to age 84 Renewable Through Age 64
Deductibles:$0, $1,000, 2,000, $5,000, $10,000 Deductibles:$0, $1,000, 2,500, $5,000, $10,000 Deductibles:$0, 2,500, $5,000
Global Coverage Including U.S.A. Excludes U.S. Coverage Excludes U.S. Coverage
Does not require U.S. Healthplan Does not require U.S. Healthplan Requires U.S. Domestic Healthplan
Dental & Vision Available with Elite Plan Dental & Vision Available with Elite Plan Dental & Vision Available with Elite Plan
Medical Maximum: UNLIMITED Medical Maximum: UNLIMITED Medical Maximum: UNLIMITED
Requires Full Medical Underwriting Requires Full Medical Underwriting Expedited Medial Underwriting
Credible Coverage Certificate Accepted Credible Coverage Certificate Accepted Credible Coverage Certificate Accepted
Coverage for Terrorism Events Coverage for Terrorism Events Coverage for Terrorism Events
Emergency Medical Evacuation Emergency Medical Evacuation Emergency Medical Evacuation
Click for Brochure Click for Brochure Click for Brochure
quote_purchase_blue quote_purchase_blue quote_purchase_blue

GEOBLUE XPLORER FOR EXPATS

 Xplorer Premier

BestChoiceExpatThe GeoBlue Xplorer Premier health plan is designed to support the international lifestyles of people just like you.  GeoBlue Xplorer Premier 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 Premier 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.  Explore Premier is available to people up to the age of 74.

Xplorer Essential

NoUSCoverLike the Xplorer Premier plan the Essential plan option is available to those who do not wish to provide cover within the United States.  So the Essential is basically the same as the Premier plan minus the U.S. Cover.  There are many reasons why an expat would not need cover in the United States especially if they are a U.S. Citizen that maintains a U.S. Domestic health plan.  Explore Essential is available to people up to the age of 74.

Xplorer Select

BestChoiceSUThe 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 just as the Xplorer Premier and Essential plans.  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.  The GeoBlue Xplorer Select health plan is designed to support the international lifestyles of people just like you.

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 an ACA Compliant health insurance plan with continuous coverage then any pre-existing conditions are waived.  The policy holder must maintain their U.S. coverage the entire time they are out of the country.  The simplified underwriting allowed with the Select plan make it the first choice for those who may already be dealing with a pre-existing condition.

GeoBlue Xplorer Select is ONLY available to age 65.  After the age of 65 your plan will not be renewed.  At that time you would then have to apply for the Premier or the Essential plan.  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.

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.

Emergency Medical Evacuation

T6526World travelers need to properly protect themselves against financial exposure due to catastrophic medical events. If comprehensive travel medical benefits and assistance services are not secured before you travel, you could find yourself exposed to huge losses – both physical and financial.  Though illness can strike at any time, when severe incidents occur overseas, lack of proper coverage can leave you the traveler with steep medical bills for less than sufficient care.

As a global traveler you need to be prepared for the possibility that you could find yourself in a location where the Medical Care is poor or inaccessible.  In the event you find yourself in a situation where you need to be evacuated to an area where you can receive the appropriate level of care then you need to make sure your International coverage includes a comprehensive Emergency Medical Evacuation benefit.  Medical evacuations are not a simple procedures and they can be extremely complicated and expensive.  This must be available to you 24/7 no matter where in the world your travels take you. In addition you need a partner who is capable of organizing and caring out the evacuation no matter where you find yourself.  The good news is that Emergency Medical Evacuation is part of ALL THREE GeoBlue Xplorer plans.

Considerations for any medical evacuation are:

  1. Evaluating the appropriateness of local health care providers
  2. Identifying the closest facility where a high level of care is available
  3. Determining the risk vs rewards of moving the patient
  4. Choosing the best method of transport (ie: ambulance, helicopter, fixed wing air ambulance)
  5. Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to move
  6. Enlisting the most appropriate team to handle the transport (ie: doctor, nurses, therapist)
  7. Arranging for speedy and appropriate intake at the receiving facility
  8. Having someone on your side helping guide you through the whole process – that is GeoBlue…

Make sure when you travel, you travel with a full service, travel health plan that provides a higher level of protection and peace of mind than standard evacuation memberships offer.  If you are not sure about your current plan or one you are considering make sure you get a copy of your certificate of coverage and read it.  Make sure you have a complete picture of what you are buying.  Then cover yourself with the Power of Blue.  GeoBlue offers this type of comprehensive coverage and it is built into their Voyager Choice and Voyager Essential Travel Medical plans.

Enrollment is Easy!

getquote_1_4bordersThe quote and application process is completed Online via the quote link provided here. Payment can be made using your credit card or your premiums can be drafted from your Checking or Savings account.  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 department at the time of issue.

GeoBlue will review your medical history as provided on the application and may request Attending Physician’s Statement if necessary.  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.

Have Questions?  Please reach out to us at (307) 690-0427 or send a message to “sales@individualhealth.com“.  If you would like to stay connected subscribe to our blog, follow us on Twitter or visit us on Facebook.  Finally stop by our website at Individualhealth.com – we are here to help.

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About Timothy Jennings
Based in beautiful Jackson Hole, Wyoming, I have worked in both the Domestic and International markets for most of my adult life. During the past four years the United States has seen a complete change in direction when it comes to accessing health care and obtaining mandated health insurance coverage. I have been an agent selling in the U.S. markets for more than 30 years. Today I work exclusively serving the needs of our International health insurance clients. If you are outbound or inbound to the United States I can help guide you through the process of selecting proper International Cover that is right for your family.

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