GeoBlue Group International Medical Insurance

Employee Group International coverage when traveling, working and living abroad.  When your employees are working and living abroad, you have a basic responsibility for their safety and well-being.  Depending on the destination, an employee on assignment might be facing serious health, safety and security risks while employed abroad.

Some assignments may place the employee in higher risk areas.  Higher risks for infectious disease, work site and occupational risks, political and terrorism risks, lack of quality medical facilities and access to medications.

“Hot Zones” or high risk area’s the employer and employee must also be aware higher incidents of terrorism, kidnapping, war and attacks.

PLAN TYPES ..

  • Short-Term – Global employee trips less than 6 months.
  • Long-Term  Employees working and living abroad for 6 months and longer.  Employees, Independent Contractors, Third Country Nationals.

Group International Health Insurance for the Global Employee … A quality International Health insurance policy can go a long way in helping assist the employee and family members with their medical, health and safety issues while abroad, including emergency medical evacuation and repatriation benefits.

International Medical Pays doctors Direct …

Some international insurers including Cigna and GeoBlue pay their contracted doctors direct so the employee doesn’t have to pay themselves until reimbursed by their company or insurer, which can take several weeks or months.

Your domestic U.S. health insurance card is typically a useless piece of plastic while seeking care abroad.  Without International health insurance you will need to pay the hospital and doctors on the spot before being treated. If you have Medicare, you effectively have no insurance outside the U.S. Medicare provides no coverage outside the United States and it’s territories.

Finding a Quality Doctor …

An Insurers “mobile app” can be a tremendous tool while away living and working abroad.  It travels with you on your smart phone or tablet.  Find english speaking doctors in your area, search for contracted providers and see where they attended medical school.  Schedule appointments and email your ID card. Locate pharmacies and fill prescriptions, and much more.

Receive travel alerts; civil unrest, war and terror alerts.  Infectious disease concerns, what immunizations you will need before travel, and have 24/7 access to a team of professionals ready to help you with your health, travel and emergency concerns.

HR and Benefit professionals understand the risks involved with sending an employee and family abroad on a foreign work assignment.  So providing your worker with the best available tools while away will help the employees peace of mind, knowing they will be provided excellent medical insurance coverage, access to quality medical professionals, help with foreign medical laws and systems and help, advice and coordination when emergencies strike.

Organisations who need essential business travel, often sending employees to unfamiliar locations where they may encounter situations that present increased risk and threats to their health, safety and security

Threats such as terrorism, infectious diseases, natural disasters, crime and political instability increase the risk to the business traveler and therefore the potential liability of the employer. As workforce’s become increasingly mobile,

International Employees who travel to several global locations can enjoy have one international medical policy to take with them regardless of where they are in the world.

geoblue mobileGeoBlue members use their mobile devices to access an exclusive level of care. The GeoBlue mobile app provides the most convenient access to the best doctors, hospitals and resources around the world. Using the app, members can do anything from finding emergency services, to translating symptoms, to finding the right doctor at home or abroad.

With a few simple taps, members get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists and can then review qualifications, make an appointment, and get directions. Plus, proof of coverage is always at their fingertips, ready to show and share with providers.

Elite network of Global doctors …

GeoBlue and Cigna Global have elite networks of doctors from almost every specialty ready to see you in over 190 countries. Only a small fraction of doctors around the world meet GeoBlue’s exacting standards-participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations by over 140 Physician Advisors from all over the world.

We assemble in-depth provider profiles so our members can choose with confidence, and we put formal contracts in place to ensure preferred patient access. GeoBlue doctors and hospitals bill us directly so members don’t have to worry about filing a claim.

Members covered by a GeoBlue plan that offers benefits in the United States have access to the largest national network of providers and facilities; more than 92 percent of physicians and 96 percent of hospitals contract directly with Blue Cross and Blue Shield Plans.

GeoBlue Xplorer “Essential” Plan:

The GeoBlue Xplorer Essential plan (NO U.S. Coverage) covers most services outside the United States at 100%. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. Choose this plan option if you do NOT need U.S. coverage included.

“Essential Plan” … (Click here for info)

  • Worldwide coverage, excluding U.S. offers a 50% savings.
  • Define your deductible and prescription benefits.
  • Deductible choices from $0 – $10,000.
  • Choose provider either in or out of the GeoBlue elite Network.
  • Unlimited annual and lifetime medical maximum.
  • Deductible waived for office visits with doctors.
  • No waiting period or sub-limit for preventive services.
  • No precertification penalty for inpatient or outpatient care.
  • Pre-existing conditions covered with credible coverage.
  • Illnesses and injuries related to terrorism.
  • Can be use on its own or with a domestic health plan.
GeoBlue Xplorer “Premier” Plan:

If you need U.S. coverage included in the International Medical policy. The GeoBlue Xplorer Premier plan (includes cover in the U.S.) has three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.’ 60% out-of-network inside the U.S. All plans have an unlimited maximum and a $250,000 maximum benefit for emergency medical evacuation. The Out-of-pocket Maximum is calculated by adding the deductible and coinsurance maximum together.

“Premier Plan” … (Click here for info)

  • Worldwide coverage, including the United States.
  • Customize your medical coverage to suit your needs.
  • Deductible choices from $0 – $5,000.
  • Define your deductible and prescription benefits.
  • Choose provider either in or out of the GeoBlue elite Network.
  • Unlimited annual and lifetime medical maximum.
  • Deductible waived for office visits with doctors.
  • No waiting period or sub-limit for preventive services.
  • No pre-certification penalty for inpatient or outpatient care.
  • Pre-existing conditions covered with credible coverage.
  • Illnesses and injuries related to terrorism.
  • Can be kept upon return home, offering unique portability.
Emergency Evacuation and Repatriation …

A medical emergency strikes … you’re working, studying or living abroad, you don’t speak the language.  What do you do, who do you call, where do you go?

Can you contact with your domestic carrier?  If so, will they tell you where the nearest modernized medical facility or hospital is in; Asia, Africa, Europe, Australia or any other part of the world?  If the nearest medical facility is unacceptable will they Med-evac you to an appropriate medical facility.  Will they coordinate care for you, use translators or approve a surgery on your behalf?  NO they can’t, and no they won’t.  What if it’s after hours or on the weekend, maybe it’s an extended holiday?  Will they even except your call … What now?

Don’t be stranded by your domestic health insurance carrier.  They may be a quality health insurance provider here in the states, but once you cross the border, they are simply not equipped to do what is needed.  International Health Insurance companies like GeoBlue Worldwide specialize in this very diverse, global medical environment.  They are experts in navigating the global medical landscape. They understand and are prepared to work with the hundreds of medical systems and languages currently in place around the globe.

Individual Plan or Group Plan?

Many employees, contractors, third country nationals, choose to enroll in “individual” policies instead of setting up a “group” plan for a business.  If the company need coverage for 5 or 10 employees in the same location or spread out abroad, individual plans work great.  The coverage between an Individual policy and Group policy are very similar.  The primary difference is the “individual” policy requires limited medical underwriting, which means the person applying for coverage must be approved medically.  Group plans do not require a health screening to be approved.

If the company has, for example more than 15 employees, a group plan may be the best option, since the medical screening will not hold up enrollment.  Feel free to call me with your situation and I can help with a few suggestions.

Expatriate Health Insurance …

Having joined the millions of others around the world who’ve taken the huge step in life to relocate to a new country, it’s important to secure peace of mind in as many aspects of your new life as possible. We specialize in health insurance policies for expats just like you, ensuring you have the very best of care available to you as and when you need it.

We currently provide health insurance for customers worldwide, and take great pride in being able to support the globally mobile population with a medical network of over 1 million hospitals and medical
professionals worldwide. With Cigna, you can create the policy that’s right for you and your family. We offer three distinct levels of cover, with a host of optional additional benefits. Read on to find out more about what we have to offer.

Why you may need us:

There are lots of different reasons you might need a Global Medical plan. Here are a few:

  • The quality of your local country’s healthcare system does not meet your standards or needs.
  • Or, even if you are to find good quality local healthcare, it’s too expensive.
  • You find the local healthcare system confusing or a struggle due to language or cultural barriers.
  • Your country of residence requires you to have international private medical insurance.

Don’t take any chance when working, living, studying or traveling abroad. If an illness or accident strikes, an International Health insurance policy from GeoBlue or Cigna Global will help and protect you and your family from the unexpected.

Feel free to contact me anytime with questions?

John Conner
916-682-1117
john@johnconner.com

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Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.