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GeoBlue

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GeoBlue combines the latest mobile technology and worldwide healthcare expertise to deliver global medical assistance and health benefits that put the health, safety and convenience of world travelers first.

GeoBlue's innovative approach opens the door to an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world.

GeoBlue also delivers exceptional service via toll-free multi-lingual customer support and its proprietary web-based administrative capabilities.

Their plans provide:

  • "A-rated" coverage underwritten by licensed and admitted insurers in the United States.
  • Superior benefits and services not available elsewhere.
  • Unparalleled access outside the U.S. to leading doctors and hospitals, who contract with us and bill us for their services.

In terms of market, GeoBlue's long term plans are designed for those US nationals or temporary residents of the US who are :

  • Expatriates Living / Working abroad
  • Crew Members
  • Missionaries
  • Students or Faculty

For the market of short term travel, GeoBlue offers travel cover for single trips and multiple trips.

Blue Cross Blue Shield Global® is a brand owned by the Blue Cross Blue Shield Association, a national federation of 36 independent, community- based and locally operated Blue Cross and Blue Shield Companies.

GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association: made available in cooperation with Blue Cross and Blue Shield companies in select service areas.

Coverage is provided under insurance policies underwritten by:

  • 4 Ever Life Insurance Company, or
  • 4 Ever Life International Limited.

Restictions of cover, depending on your US state of Residence

For the states of:

  • Washington
  • New York and
  • Maryland,

an American expat returning to the US, can retain their GeBlue cover only until the renewal date of their policy, after which they would need to apply for a local Blue Cross plan.

No inpat can be covered in these states by GeoBlue.

Covid 19 Update

  • GeoBlue will cover, with no cost-share to members, medically necessary, prescribed diagnostic testing for the virus, known officially as COVID-19, consistent with U.S. Centers for Disease Control (CDC) guidelines.
  • This coverage includes the cost of the COVID-19 test, physician/doctor consultation fee and associated costs related to administering the COVID-19 test.
  • GeoBlue will waive prior authorizations for medically necessary, prescribed tests and covered services related to COVID-19, consistent with CDC guidelines.

To help reduce potential exposure, GeoBlue is encouraging members to utilize their telemedicine service, Global TeleMD™, which provides 24/7 confidential access to a global network of doctors around the world via telephone or secure video call.

Global TeleMD is available to their corporate and scholastic group enrolled members at no additional cost2.

For a limited time, GeoBlue has expanded access to Global TeleMD to their non-enrolled Blue Cross Blue Shield Global Traveler members. This service is available to travelers now and is expected to expire on May 31, 2020.

Anxiety, panic and stress are common emotions members may experience during an outbreak, such as COVID-19.

Enrolled members have access to telephone emotional support services provided by trained counsellors3.

Members can access these services via the telehealth button on the GeoBlue mobile app or by logging on to the member portal and visiting the “Wellness” section.

GeoBlue wellness portal provides helpful links and resources including how to cope with stress during a disease outbreak and a new webinar titled: Keep Calm and Carry on – Maintaining your composure amidst the pandemic.

Political, Security and Natural DisasterPEND Coverage through Drum Cussac

The Political, Security and Natural Disaster coverage offered through Drum Cussac does not include evacuation coverage for crises related to medical or health reasons. However, if the local political or security situation would deteriorate to the point that one of the contract triggers was met, Drum Cussac would then provide coverage (subject to the limitations of the policy).

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1Self-funded plans can opt-out of this program.

2Some self-funded groups may have opted out of this service.
3Some groups may have opted out of this service.

Global TeleMD services are provided by Teladoc Health. GeoBlue assumes no liability and

accepts no responsibility for information provided by Teladoc Health and the performance of the services by Teladoc Health. Support and information provided through this service does not confirm that any related treatment or additional support is covered under a health plan. To discuss the coverage under a health plan, members should contact us using the number on the back of their ID card. This service is not intended to be used for emergency or urgent treatment medical questions.

Emotional support services are provided by WorkPlace Options, an independent company, and is solely responsible for referring participants for counseling, coaching, work/life services and health assessments by providers who are appropriately licensed by local authorities. The evaluation and efficacy of any service delivered by a provider lies solely with the employee, spouse, dependent or other authorized party who inquires on behalf of those or other participants. GeoBlue shall have no responsibility or liability whatsoever for any aspect of the provider counseling, coaching, work/life services and health assessments or other similar services, or the counselor/participant relationship.

For more information, contact Ms Romi Gill romi.gill@navigator-insurance.com Tel +852 2530 2530

Long Term Cover details

Expatriates

Expat Worldwide Medical Coverage

Overview

  • Customize your medical coverage to suit your needs.
  • Define your deductible and prescription benefits.
  • Choose providers either in or out of our elite network.

Worldwide with Basic NO USA Cover

Plan Distinctions

Xplorer Essential

  • 24/7 Phone, Web, Mobile and Telemedicine Support.
  • Contraceptive services, surgeries and supplies are covered under the policy.
  • Available up to age 74 / Full underwriting
  • Stand-alone plan — all the coverage you need
  • Optional upgrade for travel sickness and medical emergency coverage while visiting the U.S.
  • Maternity upgrade after 364 days of continuous coverage

Contact us to find out more!

Frequently asked questions

Q: Can you add the RX option later?

A: Unfortunately no, You can only add the RX option at the time of your renewal. On top of that, a new application will be required as this is considered an upgrade.

Q: Can you change the sum of the deductible later?

A: Again; it can only be done during a renewal. If you want to lower your deductible that would require an application as this is seen as an upgrade. However, increasing the deductible can be done without an application.

Q: Can the deductible be different plans for your Husband/ Wife?

A: No, all plan participants must have the same deductible.

Q: What happens if illnesses prevent you from traveling outside of the US and stay in the US becomes 365 days or more?

A: Only the main subscriber of the plan needs to be scheduled to live outside of the US for 3 months.

Q: Can you please provide network information in my state?

A: GeoBlue uses the Blue Care PPO/ EPO network in the US. The provider search is available at: https://provider.bcbcs.com/

Q: What happens if I stay for longer than 9 months in the US?

A: As long as you’re scheduled to live outside of the US for 3 months, you are eligible to apply and should be able to stay on the plan.

details

Crew

GeoBlue Navigator

Eligible Member - For Maritime Crew Members

All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S.(citizens and foreign nationals) are eligible if they apply from the U.S. Non U.S. Citizens/Residents who are 74 or younger at the time of application are eligible if applying for coverage outside of his/her home country. The country of assignment must be other than the Eligible Member’s home country and they must be a professional crew member. Eligible Member must be scheduled to reside outside of his/her country for at least 3 months per year.

This plan has three tiers of coinsurance: 100% outside the U.S., 80% in network in the U.S., 60% out of network inside the U.S. All GeoBlue Navigator plans have an Unlimited Lifetime Maximum and a $250,000 maximum benefit for emergency medical evacuation.

Benefits

GeoBlue Navigator has three tiers of coinsurance: 100% outside the U.S., 80% in network in the U.S., 60% out of network inside the U.S. All GeoBlue Navigator plans have an Unlimited Lifetime Maximum and a $250,000 maximum benefit for emergency medical evacuation.

Benefit Maximum

Outside U.S.

In Network, U.S.

Out of Network, U.S.

Lifetime Maximum per Insured Person Unlimited Unlimited Unlimited
Annual Maximum per Insured Person Unlimited Unlimited Unlimited
Preventative and Primary Care Insurer Waives Deductible
Primary Care Office Visits - as many as 8 visits per Calendar Year All except a $10 copay per visit1 All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
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, annual mammogram
b. PSA For Men
c. Diagnostic lab work & X-rays
d. Immunizations as recommended by the Center for Disease Control (CDC)
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Travel Vaccinations 100% Maximum Covered Expense of $500 per Calendar Year. 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Annual Physical Examination/Health Screening 100% Maximum Covered Expense of $250 and limited to one per Calendar Year 80% to $250 and limited to one per Calendar Year. 60% to $250 and limited to one per Calendar Year.
Outpatient Services Insurer Pays After Deductible is Met
Outpatient Medical Care 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%
Inpatient medical emergency 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Professional Services
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%
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%
Physical/Occupational Therapy Medicine Deductible is waived. Covered Expenses up to $50 per visits, and as many as 6 visits per Calendar Year
Ambulance Service 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Durable Medical Equipment 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Rehabilitation and Therapy Insurer Pays After Deductible is Met, unless noted
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
Outpatient Prescription Drugs Insurer Waives Deductible
100% of actual charge up to an annual maximum of $5,000/ Maximum 90-day supply
Global Travel Benefits Insurer Waives Deductible
Emergency Medical Transportation Maximum Lifetime benefit for all Evacuations up to $250,000
Repatriation of Mortal Remains Maximum Benefit up to $25,000
Accidental Death and Dismemberment Maximum Benefit: Principal Sum up to $10,000

Plan Deductible Choices

GeoBlue Navigator Plan

1, 2, 3, 4, 5, 6

Deductible

Coinsurance Maximum

Outside U.S. U.S. In Network U.S. Out of Network
0 $0 $0 $0 $1,000
250 $125 $250 $500 $2,000
500 $500 $500 $500 $3,000
1,000 $500 $1,000 $2,000 $4,000
2,500 $1,250 $2,500 $5,000 $8,000
5,000 $2,500 $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. 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

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Missionaries details

Students & Faculty details

Short-Term Coverage - Blue Cross Blue Shield Global Traveler™

Blue Cross Blue Shield Global Traveler empowers employers and employees to protect their agenda and travel without worry that an unexpected accident, illness or injury could jeopardize their investment. This plan provides group travel medical benefits and services for business travelers outside of their home country for trips lasting up to 180 days and offers these features:

  • Custom plans to address specific needs
  • Coverage for U.S. and non-U.S. citizens traveling outside their home country (including those coming into the U.S.)
  • Easy-to-administer blanket coverage
  • Comprehensive plans including medical evacuation, hospitalization and sick visits

Cover details

Go here for more information regarding Travel Insurance through Navigator from GeoBlue.

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Email: crew@navigator-insurance.com
Call: +852 2530 2530
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
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Sheung Wan, Hong Kong