Expat Worldwide Medical Plans

Benefits (click headers for details)

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 through Age 18)
a. Office Visits/examination
b. Immunizations, Lab work & X-rays done in conjunction with an office visit
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Preventative Care for Adults: (Age 19 and Older)
a. Office Visits/examination
b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults
c. Routine Pap Smears, annual mammogram
d. PSA For Men
e. Annual Physical Examination/Health Screening
f. Diagnostic lab work & X-rays done in conjunction with an office visit
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Primary Care Physician or Specialist Office Visits All except a $10 copay per visit1 All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
Urgent Care Facility 100% All except a $75 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%
Inpatient medical emergency6 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Inpatient 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 calendar year, $200 per tooth $1,000 per calendar year, $200 per tooth $1,000 per calendar year, $200 per tooth
Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician 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%
Infusion Therapy 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy, Limited to 12 visits per Calendar Year 100%, no deductible 100%, no deductible 100%, no deductible
Rehabilitation and Therapy Insurer Pays After Deductible is Met, Unless Noted
Inpatient Mental Health 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Outpatient Mental Health 100%, no deductible
$10 Copayment1
100%, no deductible
$30 Copayment
60% to Coinsurance Maximum then 100%, no deductible
Inpatient Substance Abuse 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Outpatient Substance Abuse 100%, no deductible
$10 Copayment1
100%, no deductible
$30 Copayment
60% to Coinsurance Maximum then 100%, no deductible
Other Services Insurer Pays After Deductible is Met
Home Health Care, Subject to a maximum of 30 visits per Calendar Year 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Hospice, Subject to a maximum of $5,000 per lifetime 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Prescription Drug Benefit Options Insurer Waives Deductible
Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (pay and claim benefit only) 100% of actual charges 100% of actual charges 100% of actual charges
Optional Rider, Subject to $25,000 maximum per Insured Person per Calendar Year
Max 90-day supply
100% of actual charges Generics: 100% after $10 copay per 30-day supply
Brand name: 100% after $10 copay per 30-day supply
Injectables: 70%
Generics: 100% after $10 copay per 30-day supply
Brand name: 100% after $10 copay per 30-day supply
Injectables: 70%
Global Travel Benefits Insurer Waives Deductible
Emergency Medical Transportation Up to $250,000 n/a n/a
Repatriation of Mortal Remains Up to $25,000 n/a n/a
Accidental Death and Dismemberment $50,000 $50,000 $50,000

Plan Deductible Choices

 

Deductible

Coinsurance Maximum

GeoBlue Xplorer Premier1,2,3,4,5,6

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
  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. 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 per calendar 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.

Ten Day Money Back Guarantee

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 send an email to enrollment@geo-blue.com within 10 days of purchase and include the reason for cancellation.