GeoBlue Xplorer Plan Overview

Expatriate Health Insurance for Individuals and Families

 

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What is GeoBlue Xplorer®?

International health insurance that covers you inside and outside the U.S. The GeoBlue Xplorer health plan is 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 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. 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. only, explore the GeoBlue Xplorer Essential plan.

Why choose GeoBlue Xplorer Plan?

GeoBlue Brochure

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A Recognized Leader

GeoBlue is a recognized leader in international health insurance and medical assistance services, serving hundreds of thousands of world travelers annually.

Highest Standards of Service

GeoBlue meets the highest expectations of quality. For medical care outside the U.S., members are free to see any provider and their benefits will remain the same.

 


 

Top 10 Advantages over Competing Plans

• Provides an unlimited annual and lifetime maximum.

• No waiting periods associated with any preventive services.

• The pre-existing condition exclusion can be waived with proof of prior creditable insurance.

• Covers injuries or illnesses that are a result of a terrorist act.

• No pre-certification required for inpatient and outpatient care.

• Deductible is waived for office visits and a small copay applies.

• Generous U.S. Coverage.

• Access to our elite providers can lead to better diagnosis, treatment and medical outcomes.

• Our providers bill GeoBlue directly, which eliminates paperwork hassles.

• The strength of Blue. GeoBlue Xplorer is offered in cooperation with certain local Blue Cross and Blue Shield companies, which collectively cover 1 in 3 Americans.


 How the Plan Works:

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 detailed benefit schedule and rates, please see inserts. To calculate your total out-of-pocket expense, add the deductible and coinsurance maximum.

GeoBlueOPTIONSFor 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.

Xplorer Premier Overview

  • Customize your medical coverage to suit your needs.
  • Define your deductible and prescription benefits.
  • Choose providers either in or out of our elite network.

Xplorer Premier Plan Distinctions

  • Unlimited annual and lifetime medical maximum.
  • Deductible waived for office visits with doctors
  • No waiting period or sub-limit for preventive services.
  • No pre-certification penalty for inpatient or outpatient care.
  • Can be kept upon return home, offering unique portability.
  • Pre-existing conditions covered with creditable coverage.
  • Illnesses and injuries related to terrorism are covered.
  • Plan Description PDF

Xplorer Essential Overview

  • Worldwide coverage, excluding U.S., offers 50% savings
  • Define your deductible and prescription benefits.
  • Choose providers either in or out of our elite network.

Xplorer Essential Plan Distinctions

  • Unlimited annual and lifetime medical maximum.
  • Deductible waived for office visits with doctors.
  • No waiting period or sub-limit for preventive services.
  • No pre-certification penalty for inpatient or outpatient care.
  • Pre-existing conditions covered with creditable coverage.
  • Illnesses and injuries related to terrorism are covered.
  • Can be used on its own or with a domestic health plan.
  • Plan Description PDF

 

GeoBlue FAQs

1. Who is eligible to buy an Xplorer® plan?

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage or; All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in an approved state or; An employee of a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

2. How do I qualify for maternity benefits?

After 364 days of continuous coverage, Xplorer members may apply for a new plan that covers maternity costs in the same way as all other medical conditions.

3. Do all eligible family members have to apply for Xplorer?

Yes. The Xplorer plan is available to individuals and their dependents. All eligible family members must  apply for coverage.

4. Will my policy automatically renew? At what rate?

You can enroll in a Xplorer policy up to age 84. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. Xplorer rates are standard rates for all members re-enrolling.

5. When does my coverage end?

We may terminate your policy if:

a. You no longer meet the eligibility requirements

b. You fail to pay your premium

c. We discover that you committed fraud or misrepresented a material fact to us, except as indicated in the time limit of certain

defenses provision

d. We terminate the plan in your state or geographic service area

6. Who is the insurer?

GeoBlue Xplorer is underwritten by 4 Ever Life International Limited, Hamilton Bermuda. Rated A- (Excellent) by AM Best. 4 Ever Life International Limited is an independent licensee of the Blue Cross and Blue Shield Association.

7. Does my plan deductible apply to all services?

No. Your deductible is waived for office visits. You simply pay a small copay at time of service with the contracted provider. For non contracted providers, you pay the provider directly and submit a claim for reimbursement.

8. Will my pre-existing condition be covered under an Xplorer plan?

If you were previously covered by a U.S. 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 six-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage.

For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.

9. Am I guaranteed to be issued an Xplorer policy if I apply?

No, Xplorer is not a guaranteed issue plan. Each application is medically underwritten. Your application may be

1) accepted, 2) accepted with a rate increase due to your health status, or 3) denied.

10. Is the quote I receive binding?

No. The quote you receive may not apply if 1) you provided us with an inaccurate zip code, 2) you misstated a material fact on your application, or 3) we increase the rate due to your health status.

11. When determining a rate while overseas, what zip code should I use?

Policies for U.S. citizens residing overseas are issued through the Xplorers Association office in Washington D.C. The zip code that applies is 20036.

12. What is the Global Citizens Association?

Global Citizens Association (GCA) is a non-profit organization that gives its members the opportunity to enhance global learning and lifestyles through safe and healthy world travel. With access to GCA resources such as the Healthy Travel Blog (at www.healthytravelblog.com) and international medical assistance information and services, members are able to pursue extended episodes of international living that increase cross-cultural understanding and promote an abiding respect for the world’s many peoples.

Founded in 1994 to serve international students, GCA has grown to encompass world travelers and expatriates in all corners of the globe. As an organization run for the benefit of its members, GCA conducts an annual meeting of its membership in January each year to select Board Members and to review and discuss benefits and membership policy.

13. Does this plan meet the Affordable Care Acts requirement for Minimum Essential Coverage?

This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA). It is filed as a limited duration policy designed specifically for international living. Coverage by the insurer can be 1) accepted, 2) accepted with a rate increase, or 3) denied based on the health history of the applicants(s). A waiting period for pre-existing conditions applies unless you have 6 months of prior creditable coverage. There is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year.

14. What about accessing participating providers?

GeoBlue’s Global Health and Safety services help members identify, access and pay for quality healthcare all over the world, including a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to GeoBlue. Please note that in the U.S. a member can simply show his/her ID card at time of service and participating providers will only bill the member for any applicable deductible or copayment. Members have access to the Blue Cross and Blue Shield Network. Whether overseas or in the U.S., members can choose to use any doctor or hospital. Members are never restricted to a network. Please see the benefit schedules to see how coinsurance may apply.

15. Where can I read the fine print?

To see plan definitions, limitations or to review a sample certificate,

Xplorer Essential

Xplorer Premier