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Global Medical

Global insurances: you can use wherever you are.


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Product

  1. U.S. residents who missed the open enrollment；
  2. New Immigrants who live in both home country and in the U.S.；
  3. People employed by U.S. companies and work overseas；
  4. People who travel internationally on a regular basis；
  5. People living abroad and have medical needs；
Suitable for
You must meet only one of the requirements below:
  1. All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application；
  2. All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application if they apply as J1 Visa or Employment Authorization Documentation holder；
  3. An employee of a U.S. company, whereby the company is domiciled in the U.S. and the company pays the insurance premium；
    4. 〈Post Scriptum：The Eligible Member must be scheduled to reside outside of his/her home country for at least 3 months per year〉
Eligible to Apply
click to see detail
Outside U.S Inside U.S (In-Network) Inside U.S (Out-Network)
Lifetime Coverage Maximum unlimited unlimited unlimited
Annual Coverage Maximum unlimited unlimited unlimited
Physician Office Visits (Adult)-Deductible Waived $10 copay per visit $30 copay per visit 60% to Out-of-Pocket Maximum then 100%
Physician Office Visits (Children 0-18)-Deductible Waived
A. Unlimited Well Baby Visits
B. Child Immunizations, Lab and X-rays		 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Adults (19 and Older)-Deductible Waived
A. Women Routine Pap Smears, Annual Mammogram
B. PSA for Men		 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
One Routine Physical Per Year-Deductible Waived 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Surgery, Anesthesia, Radiation Therapy, In-hospital Doctor Visits, Diagnostic X-ray and Lab Work (Outpatient) 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Surgery, X-rays, In-hospital Doctor Visits, Organ/ Tissue Transplant (Inpatient) 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Inpatient Medical Emergency, Inpatient Drugs 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Ambulatory Surgical Center 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Ambulance Service 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket 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 $2,000 80% up to $2,000 60% up to $2,000
Durable Medical Equipment 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Infusion Therapy 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Physical/Occupational Therapy-Deductible Waived $50 max each visit, 12 visits per year $50 max each visit, 12 visits per year $50 max each visit, 12 visits per year
Inpatient Mental Health 100% up to 60 days 80% up to 60 days 60% up to 60 days
Outpatient Mental Health 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter
Inpatient Substance Abuse 100% up to 60 days detox 80% up to 60 days detox 60% up to 60 days detox
Outpatient Substance Abuse 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter 75% up to 40 visits/60% thereafter
Basic Prescription Drug Benefit Subject to $1,000 Maximum per Insured Person per Coverage Period (Pay and claim benefit only)-Deductible Waived 100% of actual charges 100% of actual charges 100% of actual charges
Optional rider, subject to $25,000 Maximum Benefit per Insured Person per Coverage Period. Max 90 days supply-Deductible Waived 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%
Emergency Medical Transportation-Deductible Waived Up to $250,000 n/a n/a
Repatriation of Mortal Remains-Deductible Waived Up to $250,000 n/a n/a
Accidental Death and Dismemberment-Deductible Waived $50,000 $50,000 $50,000
Home Health Care 100% Covered Expenses, as many as 30 visits per year 100% Covered Expenses, as many as 30 visits per year 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 year 100% with a maximum Covered Expense of $250 per day, as many as 50 days per year 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 100% with a maximum Covered Expense of $5,000 per lifetime 100% with a maximum Covered Expense of $5,000 per lifetime
Plan detail information PDF
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Premier Plan
Outside U.S.
Coverage Maximum Unlimite
Annual Deductible Choice：$0/$1000/$2000/$5000
Annual Out-of-Pocket Maximum
(Including deductible)		 Depends on deductible choice
Physician Office Visits（Primary/Specialist/Urgent Care） You pay $0
Emergency Room You pay $0
Ambulance You pay $0
Inpatient Surgery You pay $0
Outpatient Surgery You pay $0
X-rays & Lab  You pay $0
Drug 100% of actual charges, Subject to $1,000 Maximum per year
One Routine Physical Per Year Free
Plan detail information PDF
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Essential Plan

Claim Method

Direct Pay(including office visits, examination, pharmacy, emergency, inpatient service & surgery, etc)

You don't need to pay upfront，for services from a provider or hospital with direct pay; instead, the provider or hospital will communicate with the insurance company directly for billing. You will be notified afterward regarding the result.

Non-direct Pay(including office visits, examination, pharmacy, emergency, inpatient service & surgery, etc)

If you go to a provider or hospital without direct pay, you will be required to pay upfront. You need to inform the insurance company within 20 days. You will also need to request medical reports, itemized bills, and receipts from your provider/hospital in order to file a claim with the insurance company within 90 days. The insurance company will review your claim and send you a check in about 30 business days to cover any eligible expenses. Payment from the insurance company may also be wired electronically to your checking or saving account.
Claim Method

Direct Pay Hospital

Step 1: You don't need to pay upfront.
Step 2: Hospital will communicate with the insurance company directly for billing.

Non-direct Pay Hospital

Step 1： You have to pay upfront.
Step 2： Send legible, itemized bills from the provider, along with completed member claim form to GeoBlue at:
Email： claims@geo-blue.com
Fax： +1.610.482.9623
Postal Mail： GeoBlue
Attn： Claims
933 First Avenue King of Prussia, PA 19046
Step 3： The insurance company will send you a check to cover any eligible expenses.
Claim Procedures
If you have any question please contact us:
Wechat official account ：anyhealth38
If you choose wire transfer, please provide the following information of your bank:
  • Account holder's name
  • Account number
  • SWIFT number
  • Address and phone number
Reminder

Apply

There are 2 ways to apply for 【GeoBlue Xplorer】:
  • You can click【“Apply Now” and complete the online application form on the insurance company website.
  • You can contact us via phone, wechat or e-mail. Our representative will assist you on it.Once the application is submitted, you will receive confirmation e-mail from the insurance company within 24 hours.
Apply

Application Demo

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Application Demo

Direct-Pay Providers/Hospitals

Beijing
Beijing United Family Healtdcare
Beijing Oasis International Hospital
Beijing 21st Century Hospital
Beijing New Century Children's Hospital
Beijing Bayley & Jackson Medical Center
International Medical Center - Beijing
Beijing Vista Medical Center
Mary's Hospital for Women & Infants
Hong Kong International Medical Clinic, Beijing
Shanghai
Shanghai Delta West Clinic
Yosemite Clinic
Shanghai United Family Hospital(Pu Dong/Chang Ning)
Shanghai Concord Medical Cancer Center
Guangzhou
Guangzhou United Family Hospital
Eur Am International Medical Center
Chang Jiang International Medical Center
Nanfang Hospital Affiliated to Nanfang Medical University
Hong Kong
Queen Elizabeth Hospital
Quality HealthCare Medical Centre
Human Health Medical Centre
Taiwan
Wan Fang Hospital
Linkou Chang Gung Memorial Hospital
Taoyuan Chang Gung Memorial Hospital
more
Direct-Pay Providers/Hospitals

Q&A

Who is eligible to buy an 【GeoBlue Xplorer】 plan?

All U.S. citizens or permanent residents living abroad who are 74 or younger at the time of application or all legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application if they live in the U.S. or an employee of a U.S. company, whereby the company is domiciled in the U.S. and the company pays the insurance premium.

How do I qualify for maternity benefits?

After 364 days of continuous coverage, 【GeoBlue Xplorer】 members may apply for a new plan that covers maternity costs in the same way as all other medical conditions.

Do all eligible family members have to apply for 【GeoBlue Xplorer】?

Yes. The 【GeoBlue Xplorer】 plan is available to individuals and their dependents. All eligible family members must apply for coverage.

Will my policy automatically renew?

No. The policy does not automatically renew upon your request. If you want to renew your policy, please contact us:

When does my coverage end?

We may terminate your coverage if:
  1. You no longer meet the eligibility requirements
  2. You fail to pay your premium
  3. We discover that you committed fraud or misrepresented a material fact to us, except as indicated in the time limit of certain defenses provision
  4. We terminate the plan in your geographic service area

Who is the insurer?

【GeoBlue Xplorer】 is underwritten by 4 Ever Life International Limited (4ELI). 4ELI is an independent licensee of the Blue Cross and Blue Shield Association and a wholly owned subsidiary of BCS Financial Corporation. BCS is owned by a consortium of Blue Cross and Blue Shield plans and the Blue Cross Blue Shield Association. 4 Ever Life International Limited is an A.M. Best “A-” rated (Excellent) carrier.

Does my plan deductible apply to all services?

No. Your deductible is waived for office visits. You simply pay a small copay at time of service with the contracted provider.

Will my pre-existing condition be covered under a 【GeoBlue Xplorer】 Plan?

If you were previously covered by a U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue will credit you for this prior coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the 6-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.

Am I guaranteed to be issued 【GeoBlue Xplorer】 coverage if I apply?

No, 【GeoBlue Xplorer】 is not a guaranteed issue plan. Each application is medically underwritten. Your application may be:
  • 1. accepted
  • 2. accepted with a rate increase due to your health status
  • 3. denied

If I received the quote, does that means the policy is binding?

No. The quote you receive may not apply if:
  • 1. you provided us with an inaccurate zip code
  • 2. you misstated a material fact on your application
  • 3. we increase the rate due to your health status

When determining a rate while overseas, what zip code should I use?

Policies for U.S. citizens residing overseas are issued through the Global Citizens Association office in Washington, D.C. The zip code that applies is 20036.

What is the Global Citizens Association?

Founded in 1994 to serve international students, the GCA has grown to encompass world travelers and expatriates in all corners of the globe. More information can be found here:https://www.gcassociation.org

Does this plan meet the Affordable Care Acts requirement for Minimum Essential Coverage?

This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA).

What about accessing participating providers?

GeoBlue's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world including a contracted community of elite providers in 180 countries. Please note that in the U.S. a member can simply show his/her ID card at time of service and participating providers will only bill the member for any applicable deductible or copayment. Members have access to the Blue Cross and Blue Shield Network. Whether overseas or in the U.S., members can choose to use any doctor or hospital.

How do I calculate out-of-pocket expenses and the annual limit?

The total annual out-of-pocket expenses limit is calculated by adding the deductible and coinsurance maximum together.

Premier Plan

    Annual Deductible Outside U.S. Inside U.S.
    (In-Network)    		 Inside U.S.(Out-of-Network) Coinsurance
    $0 $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

Essential Plan

    Deductible Outside U.S. Inside U.S.
    (In-Network)    		 Inside U.S.(Out-Network) Coinsurance
    $0 $0 N/A N/A $2,000
    $1,000 $1,000 N/A N/A $8,000
    $2,500 $2,500 N/A N/A $10,000
    $5,000 $5,000 N/A N/A $10,000
For example, you are covered under the 【GeoBlue Xplorer】 Premier 1000 plan with $4,000 coinsurance. Your out-of-pocket maximum will be $4,500 with outside of the US services, $5,000 with in-network services in the US, and $6,000 with out-of-network services in the US.

How long will I know whether purchase 【GeoBlue Xplorer】 is successful?

The underwriting department will review the application and respond in writing within 3 – 5 days. This may mean that we send a request for additional information to the applicant. The turnaround time in these situations will depend on how quickly the applicant responds to the request. If you are applying for coverage as yourself only, you are eligible for our expedited underwriting process.

How many days would it take to process the claim?

Under non-direct pay services, you will receive the check for any eligible expenses within 15-30 business days once the insurance company receives your claim documentation. 【GeoBlue Xplorer】 is under the big network of Blue Cross and Blue Shield, and it is contracted with lots of providers and hospitals. Under direct-pay services, your responsibility is your deductible only, since the providers and hospitals will communicate with the insurance company directly for billing.

How is medical evacuation decisions made?

The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility, or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

Are acts of terrorism covered under this plan?

Yes. The 【GeoBlue Xplorer】 plan does not exclude illnesses or injuries related to terrorism or a terrorist act.

Where can I read the fine print?

To see plan definitions, limitations or to review a sample certificate, visit: https://www.geobluetravelinsurance.com/products/longterm/xplorer-certs.cfm