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 to Age 18)
Office Visits/examination
Immunizations, Lab work & X-rays
100%
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
100%
Primary Care Office Visits All except a $10 copay per visit
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 emergency 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
Outpatient Prescription Benefits Insurer Waives Deductible
Basic Prescription Drug Benefit 100% of actual charges up to $1,000
Optional Enhanced Prescription Drug Rider 100% of actual charges up to $25,000 1
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 Basic U.S. Benefits (Xplorer Essential plan only) Insurer Pays After Deductible is Met
Emergency Medical Care, Illness and Accidental Injury Services while temporarily visiting the United States
U.S. Participating Provider U.S. Non-Participating Provider
Physician's Office Visit Services 100%, No Deductible, $50 Copay 60% to Coinsurance Maximum, then 100%
Hospital Emergency Room 80% Additional $250 Copay per visit - waived if admitted 60% Additional $250 Copay 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 Copay 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 Apply(es)
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
  1. Reflects maximum outside of the U.S.

Plan Deductible Choices

GeoBlue Xplorer Essential1, 2

Deductible3

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 (outside of the U.S. only)

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 the following:

Ten Day Money Back Guarantee

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