Expat Worldwide Medical Plans


Benefit Maximums


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 to Age 18)
Office Visits/examination
Immunizations, Lab work & X-rays
Preventative Care for Adults: (Age 19 and Older)
Routine Pap Smears, annual mammogram
PSA For Men
Annual Physical Examination/Health Screening
Diagnostic lab work & X-rays
Primary Care 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%
In-patient medical emergency2 100%
In-patient 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 year, $200 per tooth
Acupuncture and Chiropractic Services 100% up to $2,000
Durable Medical Equipment 100%
Infusion Therapy 100%
Physical/Occupational Therapy,
deductible is waived
$50 limit per visit, 12 visits per year
Rehabilitation and Therapy Insurer Pays After Deductible is Met
a. Inpatient Mental Health 100% up to 60 days*
b. Outpatient Mental Health 75% up to 40 visits / 60% thereafter**
c. Inpatient Substance Abuse 100% up to 60 days detox
d. Outpatient Substance Abuse 75% up to 40 visits / 60% thereafter
Prescription Drug Benefit Options Insurer Waives Deductible
Basic Prescription Drug Benefit (Pay and claim benefit only) 100% of actual charges up to $1,000
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period 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

Plan Deductible Choices

GeoBlue Xplorer Essential1, 2


Coinsurance Maximum

Elite $0 $2,000
1,000 $1,000 $8,000
2,500 $2,500 $10,000
5,000 $5,000 $10,000

GeoBlue Xplorer Select1, 2

Deductible 3

Coinsurance Maximum

Elite $0 $2,000
2,500 $2,500 $10,000
5,000 $5,000 $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.

Other Benefits

Insurer Pays after Deductible is Met

Home Health Care 100% Covered Expenses, as many as 30 visits per year
Skilled Nursing Facilities 100% with a maximum Covered Expense of $250 per day, as many as 50 days per calendar year
Hospice 100% with a maximum Covered Expense of $5,000 per lifetime.

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.