Expat Worldwide Medical Plans

Benefits

Benefit Maximums

Benefits - Outside of the U.S. only

Lifetime Maximum per Insured Person Unlimited
Annual Maximum per Insured Person Unlimited
Preventative and Primary Care Insurer Waives Deductible
Preventative Care For Babies/Children: (Birth through Age 18)
a. Office Visits/examination
b. Immunizations, Lab work & X-rays done in conjunction with an office visit
100%
Preventative Care for Adults: (Age 19 and Older)
a. Office Visits/examination
b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults
c. Routine Pap Smears, annual mammogram
d. PSA For Men
e. Annual Physical Examination/Health Screening
f. Diagnostic lab work & X-rays done in conjunction with an office visit
100%
Primary Care Physician or Specialist Office Visits All except a $10 copay per visit1
Professional Services Insurer Pays After Deductible is Met
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work. 100%
Inpatient Hospital Services Insurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant 100%
Inpatient medical emergency 100%
Inpatient drugs 100%
Ambulatory and Therapeutic Services Insurer Pays After Deductible is Met, Unless Noted
Ambulatory Surgical Center 100%
Ambulance Service 100%
Accidental Dental $1,000 per calendar year, $200 per tooth
Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician 100%
Durable Medical Equipment 100%
Infusion Therapy 100%
Physical/Occupational Therapy,
Limited to 12 visits per Calendar Year
100%, no deductible
Rehabilitation and Therapy Insurer Pays After Deductible is Met, Unless Noted
Inpatient Mental Health 100%
Outpatient Mental Health 100%, no deductible
$10 Copayment1
Inpatient Substance Abuse 100%
Outpatient Substance Abuse 100%, no deductible
$10 Copayment1
Other Services Insurer Pays After Deductible is Met
Home Health Care, Subject to a maximum of 30 visits per Calendar Year 100%
Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year 100%
Hospice, Subject to a maximum of $5,000 per lifetime 100%
Outpatient Prescription Benefits Insurer Waives Deductible
Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (pay and claim benefit only) 100% of actual charges
Optional Enhanced Prescription Drug Rider, Subject to $25,000 maximum per Insured Person per Calendar Year 100% of actual charges
Global Travel Benefits Insurer Waives Deductible
Emergency Medical Transportation Up to $250,000
Repatriation of Mortal Remains Up to $25,000
Accidental Death and Dismemberment $50,000

Optional Benefits Basic U.S. Benefits Rider (Xplorer Essential plan only)

Benefit Maximums

Benefits - Inside of the U.S. only

Calendar Year Maximum Medical Benefit per Insured Person $1,000,000
Emergency Medical Care, Illness and Accidental Injury Services while temporarily visiting the United States Insurer Pays After Deductible is Met, Unless Noted
U.S. Participating Provider U.S. Non-Participating Provider
Physician's Office Visit Services 100%, No Deductible, $50 Copayment 60% to Coinsurance Maximum, then 100%
Hospital Emergency Room 80% to Coinsurance Maximum, then 100%
Additional $250 Copayment per visit - waived if admitted
60% to Coinsurance Maximum, then 100%
Additional $250 Copayment per visit - waived if admitted
Outpatient Professional Services (radiology, pathology and ER Physician) 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Urgent Care Facility 100%, No Deductible, $75 Copayment 60% to Coinsurance Maximum, then 100%
X-ray and/or Lab performed at the Emergency Room or Urgent Care Facility (billed as part of the visit) 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
X-ray and/or Lab performed at the Independent facility in conjunction with the Emergency Room visit 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Ambulance 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Inpatient Hospital - Facility/Professional Charges Admissions limited to Emergency Medical Care, Illness and Accidental Injury Services while temporarily visiting the United States
U.S. Participating Provider U.S. Non-Participating Provider
Bed and Board Charges 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Physician's Visits/Consultations 80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Professional Services
(Surgeon, Radiologist, Pathologist, Anesthesiologist)
80% to Coinsurance Maximum, then 100% 60% to Coinsurance Maximum, then 100%
Prescription Drugs Purchased inside the United States
Limited to Emergency Medical Care, Illness and Accidental Injury Conditions covered under this package. Pre-existing Condition Limitation Applies 100% of the Actual Cost, Deductible does not apply
Maximum benefit of $1,000 per Calendar Year and the maximum supply of 30 days per covered prescription

Plan Deductible Choices

GeoBlue Xplorer Essential1,2,3,4,5,6,7

Deductible

Elite $0
1,000 $1,000
2,500 $2,500
5,000 $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. For a family, the maximum deductible is 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.
  7. The 10,000 Plan deductible choice is not available for Xplorer Essential with Basic U.S. Benefits.

For Exclusions and Limitations see the following:

Ten Day Money Back Guarantee

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 send an email to enrollment@geo-blue.com within 10 days of purchase and include the reason for cancellation.