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

Countries Which Won’t Let You In Without Health Insurance…

Just Posted on Mapping Megan

Countries Which Won’t Let You In Without Health Insurance…

IMG_1074

There are many, many reasons you should purchase health insurance when traveling abroad, the most obvious being to protect yourself in the case of an emergency, though some countries are beginning to require health coverage as a mandatory condition of entry, meaning travelers no longer have the choice to travel without it.

Expat hubs around the world are beginning to require mandatory health insurance before issuing a visa, and more and more countries are deciding to refuse entry without it. Many travelers don’t realize that without the correct insurance, they could be turned away from the destination they are visiting before they make it past airport arrivals.

The following countries are among those jumping on the trend of making health insurance mandatory for those wishing to travel or live overseas....

 Read Entire Post on MappingMegan.com…

GeoBlue Announces Rate Increase for July, 2017

GeoBlue Rate Increase for July 2017 Xplore and Navigator Expat Plans

GeoBlue Announces Rate Increases for July 1st

GeoBlue just announced that Xplorer & Navigator expatriate health plans rates increase effective July 1, 2017.

Standard rate adjustments as reflected in all Online quotes:

Xplorer Plans (Premier, Essential, and Select)
  • Member rates have a flat 7% rate increase across all deductibles and age bands
  • Maternity rates have a 7% increase
  • Optional Rx upgrade is also up 8%
Navigator Plans (Crew, Missionary, and Student)
  • Flat 9% rate increase across all age bands
Child/Rider Rates
  • Child rates have increased 7% across all deductibles and age bands
  • Dental/Vision have a 5% increase
  • Optional RX have a 8% increase

GeoBlue only allows changes to their expat policies on the anniversary date.  So if your renewal date is approaching now is the time to consider making any changes.  In certain markets and certain family profiles we are able to move some of our clients to a plan with Cigna Global.  Their modular based plans for many make sense.  If you have questions reach out anytime.  I hope you find this notice helpful.

Click Here to find out more about GeoBlue’s International Plans

International Quote Links:

Medicare Will Not Help You When You Travel Abroad…

GeoBlue International Travel Medical QuoteWith the coming of Spring and Summer time comes the beginning of the travel season for many.  Traveling outside the borders of the United States requires some homework before departure.  For those of you who are Seniors you need to pay special attention to your needs before leaving home.  Scores of senior travelers are reaching all corners of the globe on leisure, business and educational trips.

As international travel continues to expand, so do health and safety concerns.  There are many things that affect the Senior population that generally does not affect younger travelers.  Things such as managing chronic conditions, exacerbated but dietary changes, increased physical exertion and loss of sleep all can have an effect on the health of the traveler.  Given the heightened risks, savvy seniors are working hard to prepare themselves to avoid potential hazards.

Look At Your Passport

One of the first places that jumps out at you as an international traveler that should warn you is right in the pages of your U.S. Passport.  It reads something like this:

“Health Insurance: Persons considering foreign travel should determine what health insurance coverage, if any, they require while outside the United States.  Medicare does not cover health care costs outside the United States and its territories, except under limited circumstances in Canada and Mexico”

This short paragraph alone says it all.  If you are on Medicare you DO NOT have coverage when you leave home.  Many seniors today do have a Medicare Supplement that has limited benefits for International Travel but again they are very limited.  For Example; Medicare Supplements typically cover emergencies up to $50,000 (lifetime benefit) and are subject to a $250 deductible and a 20% coinsurance.  In addition you will more than likely be required to pay for any medical service up front and then when you get home you will be required to submit them to your insurance company (in English) for potential reimbursement.  And, this is only for the first 60 days that you are outside the United States.  Not much of a benefit!

The recent growth in travel health insurance is tied to greater consumer awareness of the health risks and insurance gaps.  The simple fact is that most existing health insurance benefits shrink or disappear when travelers cross the U.S. border.  As you can see from above, Medicare provides no protection overseas, while Medicare Supplements strictly limit benefits abroad.  Critically, most policies do not pay to get you to a higher standard of care should you need to be evacuated due to a medical emergency.  More and more senior travelers are becoming aware of the many gaps and limitations and are not leaving things to chance.

The best designed plans offer more than emergency benefits.  They cover everything from hospitalization and surgery to physician office visits, ambulance services, and prescription medications. The premier plans make it a point to cover sickness or injury resulting from a pre-existing  medical condition or a terrorist event without limitations.  Some policies even pay medical providers overseas on a direct basis so you can avoid the paperwork hassles that come with filing a claim.

departures

GeoBlue_logo2GeoBlue is one of these companies.  GeoBlue is a recognized leader in International Health Insurance and medical assistance services, serving hundreds of thousands of world travelers annually.  GeoBlue meets the highest expectations of quality.  GeoBlue has set new standards for International Assistance Services and for applying stringent criteria when contracting with doctors and hospitals outside the U.S.  GeoBlue members have access to the Blue Cross and Blue Shield network within the U.S.  And most importantly GeoBlue International plans are offered in cooperation with certain local Blue Cross and Blue Shield companies.

Global Access On Your Mobile Device

GeoBlue provides access to amazing tools and level of care via a Smartphone application which you download to your phone prior to departure. The GeoBlue mobile app called mMobile provides access to the best local doctors, hospitals and resources anywhere in the world.  GeoBlue’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 and best of all it is FREE to all plan members.

Features of mMobile
  • GeoBlue International FREE Mobile Phone APP, mMobileSearch 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
  • Destination Intelligence
  • 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

Being a U.S. Citizen who plans to travel abroad now has the luxury of the best International Medical Insurance plans now available.  Check their plans out and see if the power of Blue can make a difference in your travel plans.

CLICK HERE FOR FREE ONLINE GEOBLUE QUOTE AND APPLICATION LINKS

We are here to help – if you have questions email us at “sales@individualhealth.com” or call (307) 690-0427.  Visit our website from time to time and see what is new – www.individualhealth.com.  If you like what you see here consider subscribing to future posts.

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

Legal Travel to Cuba for American – Via MappingMegan.com…

Newly Updated Post on Mapping Megan

img_1074Cuba tourism is booming, and all American’s can now legally travel to Cuba – with some limitations. American travelers have previously been restricted from visiting Cuba due to a US trade embargo, and while “tourist travel” is still prohibited, most Americans who want to visit Cuba should now be able to find a way to do so.

Regulations came into effect in 2015 meaning that any American wishing to travel to Cuba can do so for one of 12 reasons, without prior permission from the US Government. In the past, US citizens had to obtain a specialized licence to travel, though now can visit on a “general license”, which is simply a claim that you qualify for one of the 12 categories of authorized travel.

Unlike having to obtain a physical piece of paper granting permission for travel, a general license means that the individual decides that their visit fits one of the 12 rules. Essentially, the government is now giving citizens the benefit of the doubt.

…  Read more of this post on MappingMegan.com…

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