GeoBlue Xplorer Expat Plans Offer Two Choices…

GeoBlue Xplorer Premier for Expats

getquote_1_4bordersSo you have made your decision to travel abroad and you are ready for your next great adventure.  Living and working overseas can be an opportunity of a lifetime.  Make sure you are prepared prior to leaving your home country.  When you travel overseas, travel with peace of mind that comes with knowing you have access to trusted, English-speaking physicians in more than 190 countries.  If you are a U.S. Citizen getting ready to make a move then make sure you protect yourself and your family with a brand you can trust.

GeoBlue, in cooperation with Blue Cross Blue Shield offers comprehensive long and short term travel medical plans that provide benefits and services on par with what you would expect from the single most trusted name in the insurance industry.  For those of you who will be living outside the borders of the United States for more than 6 months then choose from one of two plan designs that best meets your individual needs.  GeoBlue offers a full portfolio of Travel Medical and Long-term plans for Expatriates, Students, Faculty, Missionaries, Maritime Crew Members, and Employer Groups.  In addition GeoBlue International plans are available to all 50 states now.

If living abroad will keep you away from the United States for extended periods of time, 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 International health plan for Expats 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 190 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
  • Destination Health Intelligence
  • Not a reimbursement plan
  • Coverage for terrorist events
  • GeoBlue maintains a 24/7, toll-free call center to assist members

 Emergency Evacuation and Centers of Excellence

t6526_2World 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.

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 Xplorer Premier, Xplorer Essntial and Xplorer Select Medical plans for Expats.

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 – $5,000
  • 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 $250,000 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 sub limit for preventive services
  • No precertification penalty for inpatient or outpatient care
  • Pre-existing conditions covered with creditable coverage
  • Illnesses and injuries related to terrorism
  • Can be kept upon return home, offering unique portability

Dental and Vision Rider

dentalvision

GeoBlue Optional Dental and Vision Rider

GeoBlue offers an option Dental and Vision Rider for those who apply for the Xplorer Elite or 1000 plans. 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 Medically 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.

GeoBlue Mobile App Empowers Members to be Prepared

GeoBlue Mobile Health ApWith the GeoBlue mobile app, members can quickly research information while preparing for a trip abroad, a vacation or for an expat assignment. Our customers’ favorite planning tool, the Health Atlas, allows members to access important destination information. In addition to this, GeoBlue members can continue to use the app to complete these important tasks:

  • Find trusted medical care
  • File a paperless claim*
  • Show/email/fax their ID card to a provider

When you are traveling or living abroad there is no better friend then your GeoBlue Mobile Phone App.  As a member it is FREE to you and everything you can do online with your GeoBlue Member Account you can do on your phone.  Simply search your Apps Programs and search for “GEOBLUE” and download it to your phone.

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.

If you have questions please reach out to me by phone (307) 690-0427 or email “sales@individualhealth.com“.  I want to earn your business!

GeoBlue Xplorer Personalized Quote Request

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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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