GeoBlue Xplorer
GeoBlue is an innovator and leader in helping world travelers and expatriates stay safe and gain easy access to quality healthcare worldwide. GeoBlue Xplorer provides unsurpassed service and mobile technology access to an elite network of doctors from most specialties in over 190 countries.
Coverage Tiers & Benefits
Core Components
| Benefits | GeoBlue Xplorer Premier | GeoBlue Xplorer Essential |
|---|---|---|
| Maximum Annual Medical Coverage | Unlimited lifetime maximum | Unlimited lifetime maximum |
| Inpatient Coverage | 100% outside US, 80% in-network US, 60% out-ofnetwork US (after deductible) | 100% outside US, 80% in-network US, 60% out-of network US (after deductible) |
| Emergency Room Coverage | 100% outside US, 80% in-network US, 60% out-ofnetwork US (after deductible) | 100% outside US (after deductible) |
| Maternity Coverage | Not covered | Not covered |
Optional Components
| Component | GeoBlue Xplorer Premier | GeoBlue Xplorer Essential |
|---|---|---|
| Outpatient Coverage | 100% outside US, 80% in-network US, 60% out-of-network US (after deductible) | 100% outside US (after deductible) |
| Emergency & Crisis Evacuations | Up to $250,000 maximum lifetime benefit for all evacuations | Up to $250,000 maximum lifetime benefit for all evacuations |
| Routine Physical Examinations | 100% coverage up to $1,000 per calendar year (no deductible) | 100% coverage up to $1,000 per calendar year (no deductible) |
| Preventive Screening Examinations | 100% outside US, 80% in-network US, 60% out-of-network US (no deductible) | 100% outside US (no deductible) |
| Telehealth Consultations | Unlimited access through Global TeleMD | Unlimited access through Global TeleMD |
| Extreme Sports | Not specifically covered | Not specifically covered |
| Dental Coverage | Optional Dental/Vision rider; Accidental dental covered up to $1,000/year, $200/tooth | Optional Dental/Vision rider; Accidental dental covered up to $1,000/year, $200/tooth |
| Vision Coverage | Optional Dental/Vision rider | Optional Dental/Vision rider |
| Mental Support Coverage | Inpatient: Same as medical coverage Outpatient: 100% outside US ($10 copay), 100% in-network US ($30 copay), 60% outof-network US | Inpatient: Same as medical coverage Outpatient: 100% outside US ($10 copay) |
| Vaccinations | Travel vaccinations covered up to $500 per calendar year (no deductible) | Travel vaccinations covered up to $500 per calendar year (no deductible) |
Unique and Special Plan Features
24/7 Customer Service
GeoBlue maintains a 24/7/365 toll-free call center to assist members with everything from routine requests to medical emergencies. The staff has years of experience with international medical assistance and close working relationships with doctors around the globe.
Prepaid payment card provided by the insurer
Information not available in the provided documentation.
Mobile App
GeoBlue provides online and mobile tools allowing members to check medical symptoms, understand health risks, and access personalized prevention and wellness recommendations. The Global TeleMD smartphone app provides unlimited, 24/7/365 access to doctor consultations by telephone or video.
Medical Case Management Service
GeoBlue offers “Informed Choice” service where members can request a second opinion and referral through a Regional Physician Advisor. They also provide Personalized Recruitment to find and contract with appropriate, qualified doctors in areas not currently covered by the GeoBlue network.
Other unique features
- Direct Pay service allows members to avoid paying out-of-pocket by having providers bill GeoBlue directly
- Access to Blue Cross and Blue Shield networks within the US (Premier plan)
- Personal safety intelligence including global health and safety alerts, and country profiles on crime, terrorism, and natural disasters
- Translation of medical terms and phrases into 14 widely spoken languages
- Continuous coverage for spouse and dependents for up to 24 months in the event of subscriber death
Plan Rules
Minimum and Maximum Acceptance Age
The plan is available to individuals under age 75 at the time of application. Existing members can renew coverage until under age 84
Plan is for individuals who live away from their home country for how long
The plan is designed for extended living abroad, specifically for individuals residing or scheduled to reside outside their home country for a period greater than three months.
Geographic Zones of Coverage
Xplorer Premier provides worldwide coverage including the United States. Xplorer Essential provides coverage for any country outside the United States, with an optional Basic US Benefits rider available for short visits to the US.
Coverage in my home country
Premier plan includes coverage in the US for US citizens. Essential plan excludes the US for US citizens unless the optional US rider is purchased. For non-US citizens, coverage in their home country is limited.
Minimum duration of policy
The policy duration is one year, with the option to re-enroll after 364 days of continuous coverage.
Plan cancellation policy
Members can request cancellation in writing at any time. If requested within the 10-day Money Back Guarantee period, a full refund is provided. After the 11th day, only full month premiums are refundable on a pro-rata basis. Refund requests take effect 31 days after receipt.
Can they exclude my new health conditions at renewal time?
No, at renewal there are no medical questions and premium rates do not change based on individual claims history. Your new rate will be the same as all persons covered in your rating class.
The Claim Process
When do I need to pre-approve medical expenses, and when I don’t
The plan suggests requesting Direct Pay 48 hours in advance of appointments to have providers bill GeoBlue directly. When using in-network providers, members can avoid filing claims as these providers bill GeoBlue directly.
Deductible and Cost-Share Options
Deductible options for both plans range from $0 to $10,000 depending on the selected tier.
Premier plan has coinsurance of 100% outside US, 80% in-network US, and 60% out-ofnetwork US. Essential plan has 100% coinsurance outside US. Family deductibles are 2.5 times
the individual amount.
Pros & Cons
Insurer Details
Plan Name: GeoBlue Xplorer (Premier and Essential tiers)
Who is the insurer? 4 Ever Life International Limited
Insurer’s Country: Bermuda
Insurance Plan main website: http://www.geobluetravelinsurance.com/
Healthcare International Europe
