HTH Global Citizen Plan

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International health insurance – covering inside & outside the U.S.

HTH Global Citizen PREMIER

Customize your medical insurance plan to suit your international living needs. Define your deductible, pick your prescription drug level, and choose your doctor or hospital anywhere in the world: in or out of our elite network of providers.

  • Deductible is waived for office visits with doctors
  • No waiting periods associated with preventive services
  • No precertification required except for transplants
  • Can be kept upon return home up to 9 months
  • Pre-existing condition waiting period can be eliminated with proof of prior creditable coverage


International health insurance – covering outside the U.S.

HTH Global Citizen ESSENTIAL

For world travelers covered by a domestic U.S. health insurance plan, or for those who have no immediate plans to return to the U.S., Essential Expat Coverage is an excellent value.

  • Save 40-50% by trimming away coverage in the U.S.


Eligibility Requirements 

All U.S. citizens and U.S. permanent residents 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 apply from a state listed below or;

An employee of a U.S. company, whereby the company is domiciled in a state listed below and the company pays the insurance premium.

Alabama, Arizona, Arkansas, California, Delaware, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kentucky, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, West Virginia, Wisconsin, Wyoming

This plan is also available through HTH WORLDWIDE  in select states:

Colorado, Connecticut, Georgia, Idaho, Kansas, Louisiana, Maine, Nevada, Utah, Virginia

Coverage may not be available in all states

If you live in any other U.S state, please contact your agent directly or GeoBlue.

Eligible Family

Family members included in the plan must be Eligible Dependents. An Eligible Dependent means a person who is the Eligible Participant’s spouse age 74 or less and/or:

  • unmarried natural child, stepchild or legally adopted child who has not yet reached age 26;

A person may not be an Insured Dependent for more than one Insured Participant.




Reason 1: Medical Expense Coverage

During your international experience, you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. In addition, you may wish to return home for either routine care or the treatment of an unexpected illness.

The Medical Benefits provided under the Global Citizen health plan can help protect you against these unforeseeable circumstances regardless of where you are. You buy the plan in the United States, but it covers you wherever you go.

The Global Citizen plan is available to U.S. residents age 74 or younger, and their Eligible Family Members — see Eligibility. The plan includes a six month Pre-Existing Condition Exclusion unless you were covered by Creditable Coverage that was in effect up to a date not more than 63 days before the Effective Date of Coverage under this Plan — please see the Plan Description for details, as well as for detailed benefit information and all other exclusions and limitations.

Reason 2: Medical Evacuation and Other Coverages

In addition to Medical Benefits, the Global Citizen plan provides other valuable benefits, including:

  • Medical Evacuation Coverage, to transport you to higher quality medical care in the event of serious illness.
  • Accidental Death & Dismemberment Coverage.
  • Optional Pharmacy Coverage, which includes coverage for prescription medications inside and outside the U.S.

See the Plan Description for detailed benefits, exclusions, and limitations.

Reason 3: Ready Access to Quality Care

In addition to health protection, you’ll receive access to HTH Worldwide’s global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries. Detailed provider profiles, including medical training, are available online. You can even ask HTH to locate a provider in a particular location or specialty, to better meet your personal needs. Global Citizen customers who require hospital care overseas can receive full profiled international treatment options and, in the event of an unforeseen emergency, round-the-clock support, including assistance with evacuation. In most cases, HTH can pay providers directly (not available everywhere), saving you from using personal funds upfront. For care in the U.S., the Global Citizen plan includes access to centers of excellence and a U.S. PPO network. Members also have the freedom to choose any doctor or hospital, worldwide.

Reason 4: HTH’s Global Health and Safety Resources.

In addition to high quality insurance coverage and medical care, expatriates and international travelers need knowledge and information. When you enroll in the Global Citizen plan, you gain access to HTH’s powerful Global Health and Safety Resources. These online assistance tools, backed up by 24 hour a day customer service, provide daily health and security alerts by emails, and detailed description of health facilities and security information, by destination. In addition, translation databases are available for brand name drugs and medical terms and phrases. Click here to view the Global Health Tour. For a complete description, visit Global Health and Safety Resources.

Reason 5: Global Citizen Offers the Strength of a U.S. Insurer

Your insurance coverage is underwritten by an outstanding U.S. Admitted Company– BCS Insurance Company, which is rated A- (Excellent) by A.M. Best for financial strength. BCS Insurance Company, known for innovative product development and special risk underwriting, is based in Oakbrook Terrace, Illinois.

Reason 6: Global Citizen Offers Advantages over Competing Plans

The Global Citizen health plan has met U.S. insurance standards and features benefits more generous than offshore-non-admitted “surplus coverage.” There are no waiting periods associated with most benefits or services and no pre-certification is required. The plan is creditable and the pre-existing condition exclusion can be waived subject to proof of prior creditable insurance. In addition, the plan automatically covers injuries or illnesses that are a result of a terrorist act. Global Citizen offers an unlimited policy maximum.