Expat Missionary Medical Plans

Benefits

GeoBlue Navigator has three tiers of coinsurance: 100% outside the U.S., 80% in network in the U.S., 60% out of network inside the U.S. All GeoBlue Navigator plans have an Unlimited Lifetime Maximum and a $250,000 maximum benefit for emergency medical evacuation.

Benefit Maximum

Outside U.S.

In Network, U.S.

Out of Network, U.S.
Lifetime Maximum per Insured Person Unlimited Unlimited Unlimited
Annual Maximum per Insured Person Unlimited Unlimited Unlimited
Preventative and Primary Care Insurer Waives Deductible
Primary Care Office Visits - as many as 8 visits per Calendar Year All except a $10 copay per visit1 All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
Preventative Care for Babies/Children: (Birth to Age 18)
a.Office Visits/examination
b. Immunizations, Lab work, & X-rays		 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Preventative Care For Adults: (Age 19 and Older)
a. Routine Pap Smears, annual mammogram
b. PSA For Men
c. Annual Physical Examination/Health Screening
d. Diagnostic lab work & X-rays
e. Immunizations as recommended by the Center for Disease Control (CDC)		 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Travel Vaccinations 100% Maximum Covered Expense of $500 per Calendar Year. 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Annual Physical Examination/Health Screening 100% Maximum Covered Expense of $250 and limited to one per Calendar Year 80% to Coinsurance Maximum then 100% Maximum Covered Expense of $250 and limited to one per Calendar Year. 60% to Coinsurance Maximum then 100% Maximum Covered Expense of $250 and limited to one per Calendar Year.
Outpatient Services Insurer Pays After Deductible is Met
Outpatient Medical Care 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Inpatient Hospital Services Insurer Pays After Deductible is Met
Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant The Insurer will pay 100% of Covered Expenses. 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
In-patient medical emergency 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Professional Services
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work		 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services Insurer Pays After Deductible is Met, unless noted
Ambulatory Surgical Center 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy Medicine Deductible is waived. Covered Expenses up to $50 per visits, and as many as 6 visits per Calendar Year
Ambulance Service 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Durable Medical Equipment 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Rehabilitation and Therapy Insurer Pays After Deductible is Met, unless noted
a. Inpatient Mental Health 100% up to 60 days 80% up to 60 days 60% up to 60 days
b. Outpatient Mental Health 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter
c. Inpatient Substance Abuse 100% up to 60 days detox 80% up to 60 days detox 60% up to 60 days detox
d. Outpatient Substance Abuse 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter
Outpatient Prescription Drugs Insurer Waives Deductible
100% of actual charge up to an annual maximum of $5,000/ Maximum 90 day supply
Global Travel Benefits Insurer Waives Deductible
Emergency Medical Transportation Maximum Lifetime benefit for all Evacuations up to $250,000
Repatriation of Mortal Remains Maximum Benefit up to $25,000
Accidental Death and Dismemberment Maximum Benefit: Principal Sum up to $10,000

Plan Deductible Choices

GeoBlue Navigator Plan

1, 2, 3, 4, 5, 6

Deductible

    

Coinsurance Maximum
  Outside U.S. U.S. In Network U.S. Out of Network  
0 $0 $0 $0 $1,000
250 $125 $250 $500 $2,000
500 $500 $500 $500 $3,000
1,000 $500 $1,000 $2,000 $4,000
2,500 $1,250 $2,500 $5,000 $8,000
5,000 $2,500 $5,000 $10,000 $10,000
  1. Copay waived when visiting a GeoBlue contracted provider outside the U.S.
  2. Deductibles are Per Person per Calendar Year.
  3. The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. For a family, the maximum deductible and coinsurance are increased by a factor of 2.5, regardless of the size of the family.
  4. Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirements.
  5. An Insured Person only has to satisfy his/her Out of Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
  6. Emergency room visits that do not result in inpatient admissions will be subject to a $100 penalty.

For Exclusions and Limitations see Plan Description.

Ten Day Money Back Guarantee

YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate or Policy of Coverage and Description of Emergency Medical Transportation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on your trip or incurred a claim, you will receive a full refund.