Study Abroad Students – More Than One Option…

Study Abroad Students Have Choices

GeoBlue XplorerWow you have finally made it to college and better yet you are planning to spend part of your further education years overseas studying abroad.  This is most definitely one of the most exciting times in your life.  You have worked hard to get where you are at and you have spent countless hours preparing for your upcoming adventure.

Maintaining your health and safety during your study abroad experience depends  on choices and safeguards you take prior to, during, and following your time outside the borders of your home country. There simply are no guarantees or absolutes with regard to health and safety when one travels internationally. Many study abroad programs sponsors will require the submission of medical forms about your physical and mental health. In addition you will in most cases be asked to show proof of health and accident insurance before you leave home.

For some this may seem a bit daunting and to others it may seem fairly straightforward and simple.  A common mistake made by many is that they think if you are a student that will be outside the borders of your home country your domestic health plans will cover you.  But that is generally not the case.  In addition, many of the larger colleges and universities offer limited coverage’s that are in many cases built into the cost of the Study Abroad Program so why look for other coverage?  Then there are all the other International Insurance options one can consider.  Making the right choice regarding your International Cover may be the most important decision you make prior to leaving home.

There are basically three types of international policies available to the traveling student.  Each plan design offers different levels and length of cover. There are policies marketed directly to the International Student, there are Short Term Travel Medical plans and finally Annual Renewable Major Medical Plans for Expats.  Each plan type reaches a different market although most off of these products have the same thing in common, providing comprehensive International medical cover should the unexpected come to pass.

International Student Policies

One of the first options students seem to gravitate to are the Global Student plans that generally offer a fairly comprehensive level of benefits but limited in their scope of coverage maximums.  These plans are easy to spot primarily because they are marketed with the name “Student” or “Global Student” somewhere in the title of the plan name.  They are in most cases the least expensive option and they can generally be extended beyond 12 months in many cases.  However if your insurance needs extend beyond 12 months then you need to consider other options.  Any time abroad that exceeds 6 months is really considered an Expatriate and some insurers like Cigna Global consider as few as 3 as the benchmark.  It is important to note that there are many things that are excluded or limited in these types of plans so please read through the Exclusion and Limitation section of the policy carefully.  Two quick examples are generally “Pre-Existing Conditions” and “Acts of War or Terrorism“.

Short Term International Major Medical Policies

These types of plans are generally referred to as  “Travel Medical Plans”.  Travel Medical plans are far more comprehensive in their scope of coverage with most of these plans offering plan maximums up to $1 million dollars in coverage and some offer Emergency Medical Evacuation benefits up to $500,000 thousand dollars in coverage.  Deductibles for these plans will range from as low as $0 dollars up to $2,500 with some companies.  These types of policies in many respects are modeled after our own domestic short-term policies.  These plans usually are limited to no more than 180 days of continuous coverage.  Perfect if you will be gone for one semester with some additional travel that will not exceed 6 months.

Some plans like the GeoBlue Voyager Choice even though their initial period of coverage cannot exceed 180 consecutive days GeoBlue does allow a onetime reapplication for the plan if you are still abroad when the first plan terminates.  For those that are still in good health they can enroll in a second policy period without having to return home to the United States and for some this is a huge advantage.

Annual Renewable International Expat Medical Policies

The true Global Citizen who resides outside their home country for more than 6 months and maybe even years needs to consider more permanent options.  Renewable International Major Medical policies are designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study.  If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps found 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 from unfamiliar providers.

Because of the length of time Global Citizens spend away from home these individuals want and need the freedom to be able to seek medical treatment should the need arise in any country that is best suited to treat them including here in the United States.  Some plans are better than others and only a few of these plans are insured by U.S. Insurance Carriers.  Not all expat policies are created equal.  For those who are U.S. Citizens or legal residents of the United States then you are blessed in that you are eligible for the International Plans from GeoBlue.

GeoBlue International Medical Plans

logo-geoblueFor the outbound U.S. student there is clearly one company that stands out over all the rest and that company is GeoBlue.  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.  The Good News is that the GeoBlue product line is now available in all 50 states under on single brand!

Global travelers like you can leave home feeling confident that a trusted source of care is available at a moment’s notice—no matter what country, town or time zone. GeoBlue’s highly qualified doctors speak your language, treat you like a friend, and bill GeoBlue directly for their services.  With instant access in the palm of your hand and twenty-four/seven concierge support, you’ll travel anywhere with the peace of mind that if your health is a concern, getting good care is not.

To find out more about the plan types available and get rates for different plan options visit our website at www.IndividualHealth.com.   If you have questions please feel free to call us at (307) 690-0427.  If you would like personalize quote CLICK HERE and complete the form and we will get right back to you.  This is all we do which is to say we are full-time International Health Insurance Advisors.  We are here to help!

A Great Article on Cuba…

The Day Fidel Died

If you have plans to travel to Cuba here is a link to a great article written by Cristina Picardi.  Cristina lives and works from San Diego California and I know her well!  Cristina is an Account Rep with HTH Worldwide which is the owner of the GeoBlue Brand of International Travel and Expat plans here in the states.  Cristina is a real global gal and when she shared with me she was traveling to Cuba this last Thanks Giving Holiday I must admit I was a bit skeptical about her traveling there alone.  Well she traveled there safely and returned to her home in San Diego better for it.  She was actually in Cuba when Fidel passed on.  Take a moment and read her blog story about her time spent – it is a great read!  Travel Safe!

Click the Link Below for Full Article

https://www.linkedin.com/pulse/cuba-day-fidel-died-cristina-picardi

Not All International Student Plans Are Created Equal…

Protect Your Child with Proper Coverage

GeoBlue XplorerYour child(ren) has finally reached the age where they are college bound.  In addition your child has decided with your consent to further their education in a country outside the United States or home country.  So many things need to be done before you send them abroad on this new and exciting adventure.  One of which is securing proper International Medical Coverage.  In most cases the country and or the school will have requirements for proper International Coverage and some schools will require you to provide proof of this coverage in order for them to waive the school’s insurance program which in many cases is minimal.

There are a lot of “STUDENT” health plans being marketed Online and the cost variance from one to another can be surprisingly quite large.  There are reasons to be sure.  Not all International student health plans are created equal.  It is a weekly event where I have a conversation either by phone or email with parents or students looking for a International Health Insurance plan for their overseas education and the primary topic is always cost.  Some plans out there are very inexpensive while others such as our GeoBlue Navigator for Students seems to be a bit on the expensive side when compared.

There are many reason why this is the case some of which is clearly the benefit schedules.  Others are where the insurer operates from such as within the United States or Offshore.  Government regulations certainly take their toll on premiums but one of the largest areas of difference is in what is covered at the time of the claim.  All contracts out there have what we call a Pre-Existing Condition clause that basically is used as a road map to paying future claims.  Now I know this all sounds a bit boring but this is really one of the places where the rubber meets the road…so to speak.

Most quality Student plans that are annually renewable and truly provide global coverage including here in the United States initially go through an application process at the time of enrollment.  Most insurance companies use a process call Medical Underwriting to look at the health history of the applicant to see if they meet their risk criteria.  If approved – which most are, then the safety net in these policies is their “Pre-Existing Condition” statements.  These should be listed in every brochure you look at and generally they are found towards the end of the product brochure.  READ THEM!

Some of the statements a so broad in their scope that effectively the insurer can use them as a way to deny claims or certainly delay proper payment.  IT DOES HAPPEN.  GeoBlue has the very same Pre-Existing statement in their Certificates of Coverage but they are very specific, much shorter and they have clear time limits as to how far they can or will go back in time to see if the applicant left something out of their application regarding one’s health history.  It is important to note here that the Medical Underwriting process is designed to catch potential health risks at the time of application… as long a the applicant is truthful.

Example of competitive Student product with a disturbing Pre-Existing Condition Clause:

“Pre-existing Conditions: If an existing medical condition is disclosed on your application and not excluded or restricted by a rider, it is covered for a lifetime maximum of $50,000 ($5,000 per Policy Period), after you have been continuously insured for two consecutive and continuous policy periods. Otherwise, pre-existing conditions are not covered.  Pre-existing conditions are defined as any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder, regardless of the cause, including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time prior to your effective date of coverage under this certificate, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed.  This specifically includes but is not limited to any medical condition, sickness, injury, illness, disease, mental illness or mental nervous disorder for which medical advice, diagnosis, care or treatment was recommended or received, or for which a reasonably prudent person would have sought treatment prior to the effective date of coverage.  Exclusions*: The following conditions, treatments, supplies, services, and/or expenses are not covered.  

  • Treatment of the following which manifest themselves or are
    recommended, or in which symptoms occur during the first 180
    days of coverage: any breast condition, any prostate condition,
    reproductive system disorders, gall stones, kidney stones, any
    acne diagnosis or acne-related condition, any surgery that is not
    emergency in nature.
  • Pre-existing conditions as defined above.
  • Expenses for pregnancy within the first 364 days of coverage.
  • Claims not presented to us within 90 days of treatment.”

Here is the GeoBlue Navigator for Students Pre-Existing Statement:

“The GeoBlue Navigator plan does 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.”

“Creditable coverage
The 365-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.”

So what does that mean?

Will my pre-existing condition be covered under a GeoBlue Navigator plan?  If you were previously covered by a primary health plan that issues you a Certificate of Creditable Coverage, GeoBlue will credit you for this prior coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the 12-month pre-existing condition waiting period. If you have 12 or more months of creditable coverage, your waiting period will be eliminated.  If you have less than 12 months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have 2 months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.  Please note: Surplus lines insurance does not constitute creditable coverage

Big Difference

As you can see by the example above there is a significant difference between these two Pre-Existing statements.  GeoBlue Navigator for Students is a U.S. based International Health Insurance plan that covers your child (student) not only abroad but here in the United States when they are home on vacation and in between semesters.  In the United States GeoBlue uses the National Blue Cross Blue Shield PPO Network of providers for elective healthcare and abroad you can go to any provider but you also have access to their International Providers when appropriate.  GeoBlue is a Licensed & Admitted Insurer.  This policy is a U.S. Admitted plan and affords members unique protections not available on most offshore plans.

If you are looking for the highest quality International Student plan available today then you at least need to consider the Navigator in your mix of plan considerations.  The Navigator is also available for students who are inbound to the United States and are legitimately enrolled in a U.S. school for further education.  Don’t get caught with potential claims issue after the fact.  GeoBlue Navigator is simply the safest place to insure your child or yourself while attending school.

Call me at (307) 690-0427 or send me an email to “sales@individualhealth.com” if you have questions.  I will do my best to provide you with accurate and timely answers to your questions.  Travel Safe and with peace of mind…

GeoBlue Xplorer Personalized Quote Request

GeoBlue eClaims Submission Tool…

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GeoBlue Offers Global Access to eClaims

getaquote_blueGeoBlue offers several ways to submit a medical claim from abroad should the need arise.  GeoBlue eClaims is on of the tools available to you via their FREE Mobile Phone App.  Here are a few Q&A’s for you to consider:

Why would I file an eClaim?

Through eClaims, expats can file with greater accuracy through a process that is quick, convenient and paperless:

  • Quick and easy filing process
  • Convenient online and mobile formats
  • Paperless process and storage of document such as billing statements and scans of checks or receipts

How can I submit an eClaim?

eClaims can be accessed from the GeoBlue app. Using the app, members submit a claim in two ways:

  • Fill out a paperless claim form using a mobile device
  • Submit a photo of a completed paper claim form

eClaims can also be accessed through the Member Hub on http://www.geobluetravelinsurance.com.

  • Members will follow a guided application to upload their supporting documents
  • Each step of the submission process has tool-tips that assist users in entering valid information
  • The application will pre-fill the member’s contact and bank details after the first submission
  • Members can check their claim status online at any time

Can claims be submitted any other way?

How can filing a claim be avoided?

  • When a member contacts GeoBlue prior to accessing care from a contracted provider outside of the U.S., Direct Pay can be arranged and GeoBlue will provide a Guarantee of Payment to cover the medical treatment.

GeoBlue is Different

GeoBlue members enjoy:

  • 24/7 Phone, Web and Mobile Support
  • Prompt Access to Trusted Doctors and Hospitals
  • Cashless Appointment Scheduling
  • Paperless Claims Resolution
  • Destination Health Intelligence

If you are planning an adventure abroad please consider the plans and supports systems that are part of each before you leave home.  The enrollment process is simply and done completely Online from the comfort of your home or business.  If you would like to request a Free GeoBlue Quote simply click on the button below and provide the information needed.  We will send you a personalized quote in a timely manner.  If you have questions now please feel free to reach out to me at (307) 690-0427 or by email at “sales@individualhealth.com”.  Remember we are here to help!

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Travels to Mexico – Cost Effective Multi-Trip Travel Medical Insurance…

GeoBlue Trekker Choice Multi-Trip Travel Medical Insurance

Outbound for Mexico…

International Travel to MexicoThere are many places in the world people travel to with great affection.  Because of its proximity, its beauty, and tremendous culture Mexico is a favorite place to travel to by many Americans.  Especially if you live in the Southwestern part of the United States, Mexico is an easy to reach destination full of adventure.  But with adventure comes certain hazards.  I grew up in Coronado, California which basically is in the middle of San Diego Bay.  In my youth Mexico was an easy place to day trip to because the border was just 15 minutes south of us.  In my youth I never thought about the need for an International medical plan… after all I was just going down to the restaurants located on the beach of the Baja Coast.  In hindsight it could have been a big mistake.  After all who needs International health insurance anyway… right?

Today I do believe things have changed a bit especially with our own health insurance industry here in the United States.  Today there are few benefits that will travel south with you.  With the vast amount of information we have at our fingertips it is easy to follow and see what our friends and family members might be doing at any point in time.  It is easy to see how often people travel to Mexico for days or even weeks simply by following your Facebook feeds.  I personally believe that most Americans simply have no clue as to what their current U.S. Domestic insurance will cover if they get sick or injured while in Mexico.  Frankly I don’t even think most give it a first thought before they travel.  But they need to.

There is a tremendous amount of misinformation about what your U.S. insurer will cover and what they will not.  Most people can’t even imagine that they could be the one in need of medical attention while enjoying Mexico’s incredible vistas.  But it does happen and the truth is your U.S. Domestic health plan is basically worthless and even worse they are not going to be able to help you locate medical care nor arrange for Medical Evacuation should a tragedy arise.  I also know that this topic in general is not one at the top of most people’s list.  But to be ignorant about your exposures when traveling abroad is not only NO EXCUSE it could end up being dangerous and expensive.

If you are a Senior and you are on Medicare it is important to note that Medicare stops the minute you leave the United States.  For those of you that a Medicare Supplement, assuming you have Plan F you have a single Lifetime Maximum of $50,000 for medical care.  The amount is only available to you as a reimbursement for medical expenses you have paid for while abroad.  It does not include Medical Evacuation should the need arise.  Basically it really is a NO benefit.

Recently I have been giving this topic a lot of thought.  All of my friends and associates know what I do and I am not shy about it either.  But I am amazed at how many people travel to Mexico (another country) and they don’t even make the attempt to find out what proper coverage would cost that could end up saving their life in the event of an emergency.  For example I just placed a young couple traveling to Baja for 10 days into one of our Single-Trip Travel Medical Plans.  The cost for  100% coverage including Emergency Medical Evacuation cost each one of them $21.00.  That is $2.10 a day – less than the cost of a drink at Starbucks!!  They were pleasantly surprised to find out that they could easily afford the coverage.

Personally, knowing what I do and because of what I do this all scares me.  Why, I ask would anyone take such a risk when the cost for providing yourself with the best protection offered is so low?  For some I think it is simply the hassle of looking into the coverage in the first place.  This does make sense to me because I know how difficult it is to obtain correct and current information about this very subject.  Others do call their insurance companies and ask if they are covered when traveling Internationally.  Most of the time they receive confusing information and much of the time they are told that they are covered abroad which is actually more of a half truth.  Most consumers don’t understand that what ever benefits they might receive they will be done so after the fact.  You will first have to pay for the services yourself and then upon your return to the United States you will then submit them for reimbursement.  This process will take 6-8 weeks and oh yeah make sure ALL of your claims and receipts are in English.

To be truthful the only thing that I know might be covered is for TRUE Emergency Services and ONLY Emergency Services.  The U.S. Insurer will more than likely NOT agree to make payment direct and in fact they are not even required to do so.  Plus they have little or no International resources abroad to help guide you when the care is needed.  That is not to say Mexico does not have acceptable healthcare because they do.  But whom will guide you to the proper level of care if needed that could in fact save your life?  Your U.S. Insurer will not send a medical team to evacuate you to the best level of care if needed nor do they have the resources.  No this is something everyone who travels to Mexico needs to address before their next trip(s).

Although obtaining a Travel Medical Plan before your departure is simple, easy and cost effective there are many people that simply forget to purchase a policy prior to their trip.  If you are traveling to Mexico once or twice a year we make it really easy to do.  But what about those who travel frequently throughout the year.  These trips may be as short as a few hours and as long as several weeks.  There is a really simple and effective way to make sure that your trips into Mexico are covered throughout the year each and every time you travel.  A Multi-Trip International Plan may be your best answer!

If you own or rent real estate properties in Mexico and you travel there several time per year AND none of your trips exceed 70 consecutive days that a Multi-Trip Trekker plan from GeoBlue is by far the most cost effective way to meet or exceed your travel insurance needs.  Check this out…

GeoBlue Trekker Multi-Trip Travel Medical Plans…

GeoBlue Trekker Choice Online Quote and Enroll ToolGeoBlue Trekker Choice is a short-term health and accident insurance for Multi-Trip International Travel.  GeoBlue Trekker provides the traveler with international health insurance for multiple trips throughout the year.  It offers a complete package of services to help you identify, access and pay for quality healthcare anywhere in the world.  That’s right you are not limited to only trips to Mexico – the Trekker plans cover you worldwide.

GeoBlue Trekker Choice BrochureTrekker fills health & safety gaps internationally:

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.

Information – Where do you turn to learn which hospital 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 a western-trained, English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment? Each GeoBlue Voyager policy includes broad , deep and reliable Global Health and Safety Services easily accessed through the web or their toll-free customer service center.

Two Plans Offered – Trekker Essential & Voyager Choice

Trekker Essential Plan Highlights

  • Up to $50,000 for sickness and accidents
  • $250,000 medical evacuation benefit
  • Covers pre-existing conditions for medical services and medical evacuation
  • Unlimited trips in a 12 month period (70 days max per trip)
  • Requires a primary health plan

Trekker Choice Plan Highlights:bestchoice

  • Up to $250,000 for sickness and accidents
  • $500,000 medical evacuation benefit
  • Covers pre-existing conditions for medical services and medical evacuation
  • Unlimited trips in a 12 month period (70 days max per trip)
  • Requires a primary health plan

Emergency Medical Evacuation

GeoBlue Emergency Medical EvacuationWorld 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 Trekker Choice and Trekker Essential Multi-Trip Medical plans.

Why Choose GeoBlue Trekker?

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 than plans sold as “surplus coverage”.

  • Their plans do not restrict illnesses or injuries resulting from a terrorist act
  • They do not impose pre-certification 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.

Physician & Provider Network – What Good Is Health Insurance If You Can’t Find a Doctor You Trust?

GeoBlue has an elite network of doctors from almost every specialty ready to see you in over 180 countries. Only a small fraction of doctors around the world meet GeoBlue’s exacting 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 by over 158 Physician Advisors from all over the world.

GeoBlue assembles in-depth provider profiles so their members can choose with confidence, and they put formal contracts in place to ensure preferred patient access. GeoBlue doctors and hospitals bill GeoBlue directly so you don’t have to worry about filing a claim.

For members choosing a GeoBlue plan that offers benefits in the United States, you gain access to the largest national network and facilities that have been awarded the coveted Blue Distinction for superior medical outcomes. In the U.S., more than 80 percent of physicians and 90 percent of hospitals contract directly with Blue Cross and Blue Shield Plans.

Global On Your Mobile

GeoBlue Mobile Health ApLike GeoBlue, HTH Worldwide provides access to amazing tools and level of care via a Smart Phone application which you download to your phone prior to departure. The HTH mobile app called mPassport provides access to the best local doctors, hospitals and resources anywhere in the world. HTH’s mMobile App helps you make the most of your travels by providing you with the tools to manage existing and unanticipated health conditions in faraway places where finding a doctor and explaining your symptoms should not be left to chance. mPassport brings you specific information and expert assistance to prepare and protect you no matter your destination.

Features of mMobile

  • Search Providers for medical, dental, or mental health care. Mapping via GPS technology
  • Request an appointment with a trusted HTH Worldwide or GeoBlue Provider
  • Arrange Direct Pay
  • Access guarantees of Payment
  • File a Claim via your phone
  • Find a medication
  • Translate medicare terms and phrase.
  • Display an ID Card on a smart phone and send copy directly to provider
  • GeoBlue Mobile travels with your 24/7

Traveling abroad and making the right choices and at a cost you can afford are key before your departure.  If you have question or would like to discuss other options feel free to reach out to me by phone at (307) 690-0427 or email me at “sales@individualhealth.com”  I am here to help!

GeoBlue Trekker Online Quote and Enroll

Cigna Global International Health Plans Explained…

Cigna Global Individual and Family QuoteOne important question for anyone who travels outside their home country is “Do I Need an International Health Plan”?  There are certain guidelines that can help you determine if your International Health Insurance needs are Short-term in nature or Long-Term.  The basic rule of thumb is that if you have plans to live outside your home country for 90 days or more per year than you are probably considered an Expat in need of Long-Term coverage.  Although Cigna Global does not offer a Short-Term Travel Medical policy (which are generally available up to 180 days) the baseline is 3 months abroad.  So if one might be gone more than 90 days but less than 180 days then Cigna Global’s plans might be the right choice.  Short-term Travel Medical plans ARE NOT renewable but the Expat plans from Cigna Global are. Once issued you can renew them monthly for as long as the need exists.

Cigna Global offers a unique product design in that their International plans for Expats are modular allowing you complete flexibility to meet both your families needs and budget.  The starting point to design your Cigna Global International Health plan is to choose from one of three distinct Core Plan Designs. Cigna Global offers three essential core plans – Silver, Gold and Platinum to choose from.  Enrolling in an International Medical plan from Cigna Global can be accomplished in 4 easy steps.

STEP 1. SELECT YOUR CORE PLAN

International Medical InsuranceStart with one of our core inpatient plans, International Medical Insurance, which covers you for essential hospital stays and treatments, surgeon & consultation fees, hospital accommodation, cancer treatment and much more. Our Gold and Platinum plans also give you cover for inpatient and day-patient maternity care.

Annual Benefits – Up to the maximum amount shown per period of cover

  • SILVER: $1,000,000 / €800,000 / £650,000
  • GOLD : $2,000,000 / €1,600,000 /£1,300,000
  • PLATINUM: Unlimited

STEP 2. ADD YOUR OPTION MODULES

International Outpatient Module More extensive outpatient care for treatments where hospital admission as a day-patient or inpatient is not required. Includes consultations with specialists and medical practitioners, prescribed outpatient drugs and dressings, pre-natal and post-natal outpatient care (Gold and Platinum only), physiotherapy, osteopathy, chiropractic and much more.

International Health & Wellbeing Module Proactively manage your own health. Screen against disease, test against common illnesses and get reassurance with routine physical exams. Also benefit from counseling support and our Online health education programme.

International Medical Evacuation Module Medical evacuation in the event that treatment is not available locally in an emergency, as well as repatriation, allowing the beneficiary to return to their country of habitual residence or nationality. Also includes compassionate visits for a parent, spouse, partner, sibling or child to visit a beneficiary after an accident or sudden illness and the beneficiary has not been evacuated or repatriated.

International Vision & Dental Module Vision care covering your eye tests, spectacle lenses, spectacle frames, prescription sunglasses and contact lenses, and a wide range of preventative, routine and major dental treatments

STEP 3. MANAGE YOUR PREMIUM

Deductible options: The initial amount you must pay before Cigna will pay your claims.

Cost share options: The percentage of each claim which you must pay after your deductible has been paid, up to your out-of-pocket maximum.

Note: deductibles and cost shares apply separately to each beneficiary and period of cover. You can choose different levels for your core plan and the optional International Outpatient module.

STEP 4. PAY FOR YOUR PLAN

You can choose to pay for your premiums on a monthly, quarterly, or annual basis. You can make payments by debit or credit card, or alternatively if you pay annually, you can pay by bank wire transfer.

U.S. Citizens

In addition to the above modules available to the Core Inpatient and International Outpatient modules Cigna Global has added Emergency treatment in the USA for Worldwide Customers excluding USA Customers.  For those USA Customers they still have the option to add Home Country Cover for an additional premium.  This Home Country Coverage option will allow you or covered family members to return to the United States and if needed seek medical service in the United States for up to 6 months in a rolling 12 month period.  This is a recent significant enhancement to their policies.  For Maternity coverage Cigna Global is moving routine pre & post-natal outpatient care to the Outpatient module.  Now 12 month waiting period across all maternity benefits.

Cigna Brings Customer Service to Your Mobile Device

Cigna Global Web and Mobile Based Customer Serivce

Cigna Global is not only there to assist you 24/7 via the Internet and by phone communication they also offer you a new SmartPhone App that you can download to your phone giving you the ultimate traveling companion.  SafeTravel was developed by leading travel security experts for Apple and Android devices.  Cigna’s GOLD and PLATINUM customers will be able to access global travel advice, real-time alerts, news on breaking incidents, and an online document storage facility from anywhere in the world.

CLICK HERE FOR MORE INFORMATION ABOUT SAFETRAVEL MOBILE APP

Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta & Romanian Nationals Welcome…

If your home country is Singapore, United Kingdom, Hong Kong, Greece, Cyprus, Malta or Romania and you are not an Expat from your home country but you want to purchase Global Private Insurance you are in luck.  Cigna Global will write citizens of these seven countries even though they are not travelers.  Take advantage of true Global Coverage and add a private International Health Insurance option to your country’s domestic insurance.

Cigna Global recently removed the 90 day Home Country clause in these seven countries enabling access to care across the globe as well as within their Home Country. This is a value add for the High Net Worth Individual living within these countries in that they now have the option to purchase the additional cover which provided them access to medical care ANYWHERE in the world including their home country. If you are a citizen of one of these countries you can now generate a quote for you and your family by clicking the GET A QUOTE button above.

The Application Process

Cigna Global Individual and Family QuoteApplying for cover is easy and convenient to do. Once you have decided which plan options are the right ones based on your quote you simply complete the enrollment form online directly from the Online quote. If you have questions during the application process please reach out to me via email “sales@individualhealth.com“. If you would like us to help you with a personalized quote click on the link below and we will respond in a timely manner.

If you prefer to complete your application OFF Line then you can open the Paper version of the Cigna Global application by clicking on the image link to the right. This application file will open as an Adobe Acrobat PDF FILLABLE file. You can complete the application on your computer and then print it out when complete. You can submit your Cigna Global application by saving it to your computer as a PDF file if you have Adobe Acrobat or you can print it out and then scan it and email to “Sales@Individualhealth.com” If you have questions simply give us a call  +1 (307) 690-0427.

Request Personalized Cigna Global Health Insurance Quote

Travel To Cuba Now Covered by GeoBlue…

GOOD NEWS for Cuban Bound Travelers!

voyager_brochureGeoBlue International Travel Medical QuoteFor those Americans planning to travel to Cuba you will need to get your Travel Medical Insurance in place before you depart.  GeoBlue now provides International Travel Medical coverage for those traveling to and from Cuba.  The GeoBlue Voyager Choice plan is the best solutions for this need.  Please remember if you have an existing qualifying U.S. Domestic health plan such as ACA Compliant coverage or Medicare the GeoBlue Voyager Choice will cover pre-existing conditions.  Because of the low-level of health care in Cuba you can feel confident in the fact that the Voyage Choice and Essential plans provide substantial Emergency Medical Evacuation cover.  The Voyager plans are available to those who are age 84 and younger and coverage for up to 180 consecutive days.

Voyager Choice Plan Highlights:

  • Choice of varying medical limits and deductibles
  • For trips up to 6 months for ages 84 or younger
  • Covers per-existing conditions for medical services & medical evacuation
  • Benefit Maximum Choices of $50,000, $100,000, $500,000, $1,000,000
  • Emergency Medical Evacuation up to $500,000 per insured
  • Deductible options of $0, $100, $250, $500
  • Inpatient and Outpatient covered at 100%
  • Requires a primary health plan**
  • For those with no Primary Insurance select the Voyager Essential Plan Option

**Primary Plan is a Group Health Benefit Plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims (such as Medicare) for an Insured Person prior to the responsibility of this Plan. Such plans must be coverage limits in excess of $50,000 per incident or per year to be considered a Primary Plan.

Eligibility Requirements

  • Home Country is the U.S. and;
  • You must be under age 85 and;
  • Enrolled in a Primary Plan** and ;
  • If you are not enrolled in a Primary Plan then you are eligible for the Voyager Essential plan.  Pre-Ex will not be covered.
  • For Children under age 6, must be enrolled with a parent and;
  • Initial purchase must be made in home country prior to departing on trip from a GeoBlue eligible state

Emergency Medical Evacuation

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:

  • Evaluating the appropriateness of local health care providers
  • Identifying the closest facility where a high level of care is available
  • Determining the risk vs rewards of moving the patient
  • Choosing the best method of transport (ie: ambulance, helicopter, fixed wing air ambulance)
  • Securing the cooperation of the local treating physician, including a determination that the patient is stable enough to move
  • Enlisting the most appropriate team to handle the transport (ie: doctor, nurses, therapist)
  • Arranging for speedy and appropriate intake at the receiving facility
  • 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, International 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 Get The Brand and cover yourself with the Power of Blue. GeoBlue offers this type of comprehensive coverage and it is built into their Voyager Plans, Xplorer Premier, Xplorer Essential and Xplorer Select Medical plans for Expats.

Global On Your Mobile

samsung_4Like GeoBlue, HTH Worldwide provides access to amazing tools and level of care via a Smart Phone application which you download to your phone prior to departure. The HTH mobile app called mPassport provides access to the best local doctors, hospitals and resources anywhere in the world. HTH’s mMobile App helps you make the most of your travels by providing you with the tools to manage existing and unanticipated health conditions in faraway places where finding a doctor and explaining your symptoms shooed not be left to chance. mPassport brings you specific information and expert assistance to prepare and protect you no matter your destination.

Features of mMobile

  • Search Providers for medical, dental, or meta health care. Mapping via GPS technology
  • Request an appointment with a trusted HTH Worldwide or GeoBlue Provider
  • Arrange Direct Pay
  • Access Guarantees of Payment
  • File a Claim via your phone
  • Find a medication
  • Translate Medicare terms and phrase.
  • Display an ID Card on a smart phone and send copy directly to provider GeoBlue Mobile travels with your 24/7

HOW TO ENROLL

Simply click on the blue “Get A Quote” button below to generate a rate.  When you are ready complete the application online directly from the quote provided.  ID Cards ad Acceptance letter will be emailed to you promptly after application submission.  If you have question call (307) 690-0427 or email us at “sales@individualhealth.com”.

GeoBlue Voyager Choice Travel Medical

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