Expat Worldwide Medical Plans

Benefits

Benefit Maximums

Outside U.S.

U.S. (In Network)

U.S. (Outside Network)

Lifetime Maximum per Insured Person Unlimited Unlimited Unlimited
Annual Maximum per Insured Person Unlimited Unlimited Unlimited
Preventative and Primary Care Insurer Waives Deductible
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, annul mammogram
b. PSA For Men
c. Annual Physical Examination Health Screening
d. Diagnostic lab work & X-rays
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Primary Care Office Visits All except a $10 copay per visit1 All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
Professional Services Insurer Pays After Deductible is Met
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%
Inpatient Hospital Services Insurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
In-patient medical emergency6 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
In-patient drugs 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%
Ambulance Service 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Accidental Dental $1,000 per year, $200 per tooth $1,000 per year, $200 per tooth $1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services 100% up to $2000 80% up to $2000 60% up to $2000
Durable Medical Equipment 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Infusion Therapy 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy,
deductible is waived.
$30/visit, 12 visits per year $30/visit, 12 visits per year $30/visit, 12 visits per year
Rehabilitation and Therapy Insurer Pays After Deductible is Met
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
Prescription Drug Benefit Options Insurer Waives Deductible
Basic Prescription Drug Benefit 100% of actual charges up to $500 $0 $0
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period 100% of actual charges Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Global Travel Benefits Insurer Waives Deductible
Medical Evacuation Up to $250,000 n/a n/a
Repatriation of Remains Up to $25,000 n/a n/a
Accidental Death and Dismemberment $50,000 $50,000 $50,000

Plan Deductible Choices

1, 2, 3, 4, 5, 6

Deductible

   

Coinsurance Maximum

  Outside U.S. U.S. In Network U.S. Out of Network  
Elite $0 $0 $1,000 $2,000
1,000 $500 $1,000 $2,000 $4,000
2,000 $1,000 $2,000 $4,000 $8,000
5,000 $2,500 $5,000 $10,000 $10,000
10,000 $10,000 $10,000 $10,000 $10,000

This is a summary benefit schedule and certain benefit levels may be higher based on your state of issuance. Visit state specific mandates for more information. Note, customers outside the United States are issued a Washington, DC policy.

  1. Copay waived when visiting a GeoBlue contracted provider ouside 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. A family is charged a maximum of 2.5 deductibles.
  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 requirement.
  5. An Insured Person only has to satisfy his/her Coinsurance 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 $50 penalty

Other Benefits

Insurer Pays after Deductible is Met

Home Health Care 100% Covered Expenses, as many as 30 visits per year
Skilled Nursing Facilitiess 100% with a maximum Covered Expense of $250 per day, as many as 50 days per 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 of Insurance and your ID Card to GeoBlue within 10 days of your policy effective date. If you have not already used your insurance benefits, you will receive a full refund.