EB 5 Visa with International Medical Insurance

When applying for an EB-5 Visa, having an international medical insurance policy in place will benefit you even after the Visa is issued.

International Medical plans allow you to use a much larger network of doctors in the U.S.  Most U.S. Affordable Care Act (ObamaCare) plans have become very restrictive with their networks of doctors and hospitals.  Some traditional PPO plans have become EPO plans which provide no coverage with out of network services.

GeoBlue …

During the EB-5 process, if you have a choice in medical plans, your best choice will most likely be a GeoBlue International Medical Plan.  GeoBlue allows you to see any Blue Cross Blue Shield doctor or hospital throughout the U.S.  It also provides coverage when seeing doctors who are not contracted with Blue Cross Blue Shield.

After the EB-5 Visa is issued, and your work responsibility has you traveling outside the U.S. for several months, the International Medical plan will cover you worldwide regardless of your location.  There will be no need to apply to new plans or cancel them when re-entering the U.S.

There is also no time limit on how long you can keep your GeoBlue International Medical plan for you and your family.  Once issued, the policy is annual renewable, again, wherever you are worldwide.

Great coverage and great access to U.S. and global medical care.

If you are entering the U.S. from China, Europe, South America or other parts of Asia, the option of having an international medical policy for yourself and family will provide the freedom to utilize your medical policy wherever you are, with no delay when traveling from one country to another.

GeoBlue App …

Review doctor profiles with the GeoBlue App. Locate medical facilities or fill a prescription.  Send the doctors office your ID care and review translated medical terms, schedule and appointment and view your medical records.  All available on your tablet or smart phone.  This is a global app, so use it anywhere!

Don’t be stranded by your Medical Insurance Company. GeoBlue Worldwide coverage for individuals, families, contractors, and employer groups for multinational companies.

INTERNATIONAL PLANS ..

  • Individual – Short-Term & Long-Term plans
  • Group – 2 or more employees – guarantee issue.
  • Student – Individual and Group Plans.
  • Vacation – Medical coverage, vacation costs, lost luggage, etc.
  • Kidnap Ransom & Extortion – Corporate plans and or family policies.

GeoBlue International Travel InsuranceHere are examples of a long term policy:

For Example, if you are from China, and have an EB-5 Visa, your GeoBlue policy works here in the U.S., it works as well when you are in China, and also works very well when in Hong Kong, Indonesia, Viet Nam or any other Asian country, regardless of how long each stay is.

Family members are also covered on your GeoBlue policy.  Even if you are living in the U.S. and your child is going to school and living in another location or country.

There are many risks when traveling abroad that need to be addressed.  
  • Who can assist, and who do you contact if you have a serious injury or illness.
  • Kidnapping and extortion of executives and employees, international students, and vacationing family members including children continues to be a growing global trend regardless of where you are.
  • Finding access to quality care, if an emergency strikes.
  • Crisis management – you need a team of experts to intervene and move in to organize your care, coordinate transportation needs and respond to critical issues during an emergency.
  • U.S. Group health insurance, Medicare or Workers Compensation do not provide any of these services to you or your family when outside the U.S.

Why is Global Medical Insurance so critical for international travel?  First and foremost is access to hospital and doctor care. When you need care, emergency or non-emergency services, you need a plan backed by a company which is recognized or verifiable worldwide.  Most countries require either proof of local medical insurance or international medical insurance coverage.  Also, standards of hospitals and clinics vary greatly from country to country.

Have Questions or need help?

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

Information Request:

Blue Cross Blue Shield Global Group International Medical Insurance

Global Health Insurance for your Employees …

International Health Insurance plans help your employees access care while working outside of their home country.  We offer an extensive range of flexible products, customized to meet the changing needs of your globally mobile employees, and meet the objectives of your business.

When your employees travel abroad for a short-term assignment or long-term, they are exposed to risks associated with working in a foreign environment. Do they know where they can go for a doctor visit, or to pick up a prescription.  In worse case scenarios, it the local hospital modernized with advanced equipment and qualified personnel?

Is your Human Resources (H.R.) person or staff properly equipped and trained if an emergency strikes one or several of your employees while in a foreign country?  Do you have translators or insurance specialists ready to step during the crisis?

Blue Cross Blue Shield Global Expat
  • A comprehensive international medical plan for long-term assignees and their families
  • Comprehensive plans: designed to cover international assignees and their families who are leaving their home countries for six months or more
  • Rich benefits: the plan covers well visits, prescriptions, hospitalization, maternity, wellness, medical evacuation, repatriation, and employee assistance programs
  • Flexible coverage: customizable plans for U.S. employees outside the U.S., foreign nationals on assignment in the U.S., and third country nationals
  • Riders available: dental, vision, AD&D, life and long-term disability
Blue Cross Blue Shield Global Traveler
  • A group travel medical plan that provides benefits and services for short-term travelers
  • Blanket policy: for employees outside of their home country on trips shorter than 180 consecutive days
  • Easy administration: no enrollment required so it is very easy for companies to administer
  • Rich benefits: the plan covers everything from accident and illness to hospitalization and medical evacuation
  • Flexible coverage: the plan covers anyone traveling outside of their home country including U.S. employees traveling outside the U.S., foreign nationals traveling into the U.S. and third country nationals traveling from one non-U.S. country to another.
24-hour medical help

We know that supporting globally minded individuals means thinking globally ourselves. We have a team of advisers, doctors and nurses based around the world, helping us provide a multilingual service 24/7 – giving you the benefit of our international experience.

Members – Timely Access to Trusted Care
  • Direct Pay: for inpatient and outpatient services – members do not have to pay and claim
  • Trusted care: supported by a community of contracted, profiled, western-trained, English-speaking doctors and notable facilities in 190 countries
  • 24/7/365 service: by phone, online or through the Blue Cross Blue Shield Global Mobile app
Benefit Managers – Intuitive Tools and Responsive Support
  • Streamlined administration: convenient electronic platforms that include online access to member materials, plan documents, and electronic invoices
  • Dedicated account management: monitor account performance and provide prompt and thorough support
  • Single point of contact: for all Blue Cross Blue Shield Global resources from enrollment to claims.
GeoBlue – pays the provider directly

So your employee doesn’t have to pay
out of pocket and submit a claim.

GLOBAL SOLUTIONS

We offer comprehensive and compliant international solutions for employees and their dependents who travel or work internationally. Our plans were developed to meet the needs of your whole mobile population, across the globe, for short trips and longer assignments.

assets-svg-editable_cs-boxesSTRONGEST GLOBAL NETWORK

With access to the leading global networks, employees can easily get the care they need without unnecessary out-of-pocket expenses. Within the U.S. members have access to the Blue Cross Blue Shield network which includes 92% of all physicians and 96% of all hospitals. Outside the U.S. members have access to trusted care though the GeoBlue network in 190 countries. GeoBlue has a rigorous process for evaluating and contracting with medical providers that is unparalleled in the international insurance industry.

EXCEPTIONAL SERVICE

From the onset, we’ve focused on combining technology with exemplary service to make accessing healthcare as simple as possible. We want both our members and plan administrators to be able to concentrate on their business, knowing we have their health concerns covered. Our multi-lingual customer service team is available 24/7/365 to assist our members with locating network providers, accessing care and addressing health concerns. Through the balance of live support and sophisticated mobile and digital tools, we empower our members and administrators to stay in control.

HIGH VALUE MEDICAL CAPABILITIES

Our support services allow employees to experience a continuity of care that ranges from informing pre-travel decisions, to making medical choices on assignment, to handling unexpected or urgent situations including the coordination of evacuations. Plan sponsors can rely on our active case management approach, which seeks to ensure the outcome and value of international medical treatment.

Questions or a Group Quote?  Call or email anytime.

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

Quote & Information Request:

Micro Multinational Company International Medical Insurance

The nimble, aggressive and relatively new, Micro Multinational company are embracing the current international medical insurance concepts for their global employees.

For employees who are on longer foreign assignments, modernized global health plans are necessary to keep up with the transient culture of our workforce.

The forward thinking international medical insurance carriers have global contracts with doctors, specialists, medical groups and hospital facilities in over 190 countries.  Coupled with mobile phone and tablet app’s which allow you to view doctor profiles, make appointments, download and forward you ID before the visit, fill prescriptions, translate common medical phrases, view regional and area common contagious illnesses and diseases.  View politically unstable parts of the world and see if you are near modernized medical care if you were to become ill or injured.

Traditional group health provides no help, advice or guidance while you are abroad.  Also, they are not able to help during an emergency, such as coordinate care, provide translators, help with risk management or med-evac you to a suitable hospital or country for care.

Some international medical companies are similar to Micro-Multinational companies in that they are nimble in their work space, forward thinking, aggressiveness in their specialized market and involved heavily with tech.

Be careful which company you use, some are undervalued and have a propensity to deny claims, others will underwrite at the time of claim and may determine the pre-existing condition is not covered.  While others are pro’s in their market and perform the way you feel they should.

The last thing a company needs is for an employee or employees for feel stranded, far from home if an emergency strikes.

Micro Multinationals depend on their quality global workforce when expanding their footprint, product and brand to other parts of the globe.

Short-term and long-term work assignments are necessary to establish the crucial relationships with foreign governments, cities, partner companies and vendors in the regions of the world for your desired expansion.

International Medical Insurance …

  • Comprehensive medical coverage worldwide
  • 24/7/365 member services hotline
  • Emergency medical evacuation and repatriation
  • Hospital, outpatient, Rx, lab & x-ray, Dr. visits, maternity, dental, etc.
  • Crisis management services during emergency situation
  • Direct pay to doctors + hospitals so the employee doesn’t have to.
  • Access to over 1 million physicians and other medical provides worldwide
  • Unlimited annual and lifetime benefits

Micro-Multinational + International Medical = Happy Employee

Are independent contractors and freelancers part of your company makeup? That’s O.K, we have programs to serve the contractor, freelancer, third country national or any other situation or combination of your workforce

The confidence your employee will feel knowing they are covered with a comprehensive worldwide medical policy that follows them wherever they may be around the globe.

A case of the flu, maybe you need a vaccination, or sprained your ankle and need to get it checked out.  Need to refill a prescription .. no problem, we have you covered.  How about an annual physical or screening .. covered.  And the more serious situations also have you covered .. broken bone, surgery, appendicitis, car accident, heart attack or cancer treatment.

Who do your global employees call with medical issues?  HR or their group insurance company?  What if it’s late at night or on the weekend or holiday.  Will the group health customer service department be open, or even be able to help if they do?  Of course not.

Protect your company, protect your employees … with a comprehensive policy from Blue Cross Blue Shield Global, Cigna Global and GeoBlue.

Many companies are full of bureaucracy, procedures, and approval processes. The Micro Multinational is typically streamlined, quick to more and make decisions, much like the quality international medical insurance companies. Always innovating and looking for a more nimble approach to serving their customers.

Please contact me anytime with questions, I’m here to help with your unique situation.

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

Information Request:

 

HR International Health Insurance

Human Resource HR pro’s understand the need for an international health insurance policy for their employees when traveling, working and living abroad.

Whether a short-term or long-term assignment, international health insurance provides the necessary coverage and protection which is not offered with a traditional domestic health insurance policy.

Don’t let your Global employees feel stranded in a far-away country if an emergency strikes.

Typical Group Health:

  • NO Emergency Evacuation or Repatriation
  • NO Crisis Management.
  • NO Terrorism Coverage
  • NO Political or Natural Disaster Evacuation.
  • NO 24/7/365 Member Support
  • NO Coverage for outpatient care, Dr. visits, Rx, maternity Lab & X-Ray, etc.
  • International Health provides this and much more.

If your employees are exposed when working outside the U.S., than your company is exposed as well.

Protect your global workforce and their family members with an International Health Insurance policy from Blue Cross Blue Shield Global.

Comprehensive medical protection and access to over 1.2 million providers in 190 Countries worldwide.

“Finding a doctor in Marrakesh is easy, finding one with a legitimate medical license, well that’s where we come in.”

International Travelers and Expatriates Need More Than Insurance

  • Finding and receiving quality treatment abroad can be daunting
  • Many hospitals require payment up front, resulting in steep out-of-pocket expenses
  • Avoiding health and security hazards is essential in today’s global landscape
  • A costly event such as an air evacuation can be critical to access the best care

We Offer the Industry’s Most Complete Solution

  • From doctor visits to hospitalization to evacuation, clients are covered
  • Preferred access to elite doctors and hospitals ensures quality care
  • We settle claims directly, so care is both cashless and convenient
  • There are no pre-certification penalties and terrorism is covered
  • Pre-existing conditions coverage is available in most instances
  • Health and security tools and news alerts cover hundreds of destinations
  • Convenient service is available via the web, mobile device or phone

Covering Your World with Blue Cross Blue Shield Global

Elite Global Provider Network … Outside of the U.S., Blue Cross Blue Shield Global has a distinctive process for evaluating medical providers that is unparalleled in the international insurance industry. We have approximately 140 Regional Physician Advisors (RPAs) who are strategically located around the globe to identify the best doctors and hospitals to contract with in local communities.

Our providers must meet extensive selection criteria and agree to adhere to the quality standards set forth by Blue Cross Blue Shield Global. They must be nominated by one of our RPAs, practice western style medicine, possess accreditations and board certifications from American, UK, Canadian and Australian authorities and speak fluent English. Through this selection process, Blue Cross Blue Shield Global has developed, and continues to expand, an elite network of contracted and profiled providers and facilities around the world.

We have made a commitment to deliver direct pay for both inpatient and outpatient services. Our contracted network receives direct payment from Blue Cross Blue Shield Global or GeoBlue so members will not have to pay and submit a claim. Members who choose one of our long term expatriate plans with US coverage have access to the Blue Cross Blue Shield network.

This network includes more than 92 percent of physicians and 96 percent of hospitals across the U.S. Concierge-level service The dedicated customer service team is available 24/7/365 to assist members with finding providers, scheduling appointments, and addressing health concerns.

Blue Cross Blue Shield Global provides support to members in need of expected or unexpected access to quality medical care, second opinions, video conferencing, and medical evacuation and repatriation services. This team also assists members with planning for health care needs prior to departure on assignment. Our customer service center and global health resources teams are trained to address the needs of a global population.

Blue Cross Blue Shield Global App:

With the Blue Cross Blue Shield app, world travelers have convenient access to the best local doctors, hospitals and resources anywhere in the world. Search providers for medical, dental, or mental health care and map them using GPS technology.

  • Request an appointment with a trusted Blue Cross Blue Shield Global provider
  • Arrange Direct Pay for future appointments to secure cashless access to care
  • Access issued Guarantees of Payment to view and share with others including doctors and hospitals
  • Find a medication’s availability, generic name, and local brand name
  • Translate medical terms and phrases for many symptoms and situations; use the audio feature to play the translation
  • Display an ID Card on a mobile device and email/fax a copy directly to provider’s office
  • File a claim either by entering information or sending a photo of a completed form
  • View country or city profiles on crime, terrorism and natural disasters

Questions?

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

Information Request:

Medicare and Health Insurance typically provides NO Coverage Outside the U.S.

Are you or someone you know traveling outside the U.S. on a vacation, cruise, study or work?

As we all know, Medicare provides no coverage while traveling or living outside the U.S., and our individual and group health insurance plans typically provide NO Coverage as well while abroad.

So what do individuals, families, students and employees do to make sure they are properly covered while, vacationing, working, traveling, studying or living outside the U.S.?

Cross your fingers and hope nothing happens?

Either, do nothing, cross your fingers and hope nothing serious happens, or, enroll in a short or long-term Travel Insurance plan offering comprehensive medical coverage for hospital, outpatient, Rx, office visits and emergency evacuation anywhere in the world.

During an emergency or crisis situation, who do you call?  Will your health insurance company help you find the best available hospital near you, will they provide a translator, or pay the hospital direct so you don’t have to?  Will they answer the phone on a weekend or holiday?  Not a chance.  In other words, you are left stranded and left to work it out yourself?

Emergency Medical Evacuation

Car accident, heart attack, slip and fall, stroke … there are so many situations that need an emergency medical evacuation.  If an emergency strikes and you do not have adequate medical services near you, a Travel Insurance policy will provide emergency air transport to the nearest hospital that can properly care for your condition. Transport can take you nearby, to another country or even back to your home for care.  Health Insurance and Medicare do NOT provide Emergency Medical Evacuation coverage.

If you are on a cruise and you experience an emergency which cannot be properly cared for on the ship, you will be off loaded at the next port, either an island or country. At this point it is your responsibility to care for yourself, coordinate care and find medical services on the island or the country you are now in.  In most cases the ship will notify the port town or province and request an ambulance.  Once transferred to the ambulance for transportation, you will need to make the remaining decision for your care.

If you location does not provide adequate care you may need to pay for your own Emergency Evacuation and transportation.  Costs can easily exceed $50,000 to $100,000, depending on the severity of your illness or injury, where you are located and if medical personnel must accompany you on the flight.

Remember these are privately chartered helicopters and jets specifically designed for medical transport.  In most cases commercial airlines do not allow someone to fly with critical conditions.

Types of Travel Insurance Plans

A few days or several years, a Travel Medical Insurance policy provides comprehensive medical coverage, access to a global network of doctors, specialists and hospitals, emergency medical evacuation coverage and a crisis management team available 24/7 to help you in your time of need.

Travel Insurance PLAN TYPES ..

Don’t be stranded during an emergency while in a far away country.

Questions?

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

Information Request:

GeoBlue Trip Protector Travel Insurance Plan

GeoBlue International Travel InsuranceVacation and travel plans can change for any reason.  Savvy travelers insure their trip and their health with a policy from GeoBlue.

  • Finding a doctor in Marrakesh is easy, finding one that’s been to medical school … well, that’s where we come in.
What is Trip Protector? .. Vacation Insurance

A comprehensive plan that offers travel protection plus travel medical insurance.  Trip Protector includes medical protection, trip cancellation, trip interruption, baggage protection and more.  It boasts a complete set of services to help you identify, access and pay for healthcare services in 190 countries.

geoblue-trip-protector-travel-insurance-chart

Why Buy Trip Protector?

Your vacation may be at risk due to illness, injury, terrorism, financial default by your tour or cruise operator, dangerous weather conditions and more.  Trip Protector covers certain non-refundable expenses should covered circumstances force you to cancel or interrupt your vacation.

During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital or deal with an unexpected medical emergency.  Trip Protector also provides sickness, accident and medical evacuation benefits.

GeoBlue Trip Protector Classic Plan

GeoBlue Global Travel Medical …

A leader in helping international employees, students and travelers to identify, access and pay for quality health care anywhere in the world.

Global Health Tools …
  • Doctor search and profiles worldwide
  • Hospital profiles – Over 1,100 hospitals worldwide have agreed to accept the HTH Guarantee of Payment.
  • Proof of coverage.
  • Translation tools
  • Fill prescriptions
  • Schedule appointments
Case Study:

Location: Vietnam
Symptom: Abdominal Pain
Outcome: Evacuation to Thailand.

  • Clinic services in Vietnam: $1,788.00
  • Air Evacuation to Bangkok: $45,000
  • Hospital care in Thailand: $28,523.00
  • Patient and non-medical escort: $11,232.00
  • Total costs: $86,543.00
  • Member expense: Plan premium.

What good is insurance if you can’t find a doctor you can trust?  HTH worldwide provides unsurpassed service and the convenience of mobile technology ti access the best medical care no matter what town, country or time zone.

Pre-Existing Conditions …

No waiting periods … Pre Existing conditions are covered for the medical portion of the GeoBlue TripProtector.  Members must be enrolled in a primary health plan to be eligible.  A primary health plan includes; Medicare, an individual or family health insurance plan and an employer group health policy.  See the brochure for details.

Remember Pre-Existing health conditions are covered if you purchase the Trip-Protector Classic 14 days before initial vacation deposit, or 21 days for the Trip-Protector Preferred.

Questions?  Call or email anytime.

John Conner
John@JohnConner.com 
916-682-1117

Information Request:

GeoBlue Xplorer Long Term International Medical Insurance

GeoBlue International Travel InsuranceGeoBlue Xplorer is a long-term International Medical insurance plan specifically designed to support the international lifestyles of those who travel to or from the U.S. from extended periods of business, leisure and study.  If you leave home for six months or more, your health and financial security are at serious risk because of significant lack of medical protection, when the person travels outside their country borders.

The GeoBlue Xplorer Premier plan “includes” coverage in the U.S.  The Xplorer Essential plan “excludes” coverage in the U.S.

xplorer chart

GeoBlue Xplorer “Select” plan … if a person has pre-existing conditions, the Xplorer “Select” plan may be a good choice.  It requires having an underlying health insurance plan in place, such as a group health plan or Medicare.  The Select plan goes through a “limited” underwriting process, which allows more enrolments with pre-existing coverage to be approved.

Around-the-Clock Assistance Call Center:  GeoBlue maintains a 24/7, toll-free call center to assist GeoBlue members with everything from routine requests to medical emergencies.  The GeoBlue staff has years of experience with international medical assistance and has close working relationship with its international Provider Community.

Emergency Evacuation and Centers of Excellence:  GeoBlue coordinates emergency services with a worldwide network of contracted Physician Advisors as well as air ambulance operators selected for their safety records.  Members in need of life-saving medical intervention are treated in Centers of Excellence in the U.S. and around the world, whenever possible.

GeoBlue Xplorer deducitlble chart

Easy Access to an Elite International Provider Community:  GeoBlue has a network of doctors from almost every specialty in over 180 countries to see you.  Only a small fraction of doctors around the world meet GeoBlue 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 148 Physician Advisors from all over the world.  then we assemble in-depth profiles so our members can choose with confidence, and we put formal contracts in place to ensure patient access.  Once they’ve seen you, GeoBlue doctors bill us directly so you don’t have to file a claim.  In the U.S. you have cashless access to the Blue Cross and Blue Shield network in all fifty states.

How the Plan Works … GeoBlue Xplorer Premier and GeoBlue Xplorer Essential plans offer comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle.  For detailed benefits please see the brochure.  For families, the deductible and coinsurance maximum is a multiple of 2.5.  After 364 days of continuous coverage, GeoBlue Xplorer members may re-enroll (continue their plan) in a plan that matches their existing benefits.

How to Apply … Applications are available online or may be initiated by telephone or email (call 916-682-1117 or email john@johnconner.com to start the enrollment process).  A personal check, money order or credit card number must accompany the application and must be sufficient to pay for one month of standard premium.  GeoBlue will hold the form of payment until an underwriting decision is made. If your application is accepted, the payment will be applied to your account.  Quotes obtained online or by telephone are advisory only.  Actual premium is determined by the medical underwriting process.  GeoBlue will review your medical history as provided on the application and may request an Attending Physician’s Statement.  GeoBlue publishes standard premium rates for non-smokers.  Smokers and other applicants with certain medical histories may be offered a policy at a higher rate.  Not all applicants will be accepted.  Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval.

GeoBlue Xplorer is ideal for:  Employees on foreign assignment, International Students, U.S. inbound and outbound protection, expatriates, third country nationals, high risk areas or anyone leaving their home country for an extended period of time for work, study or to simply to live.

Comprehensive medical coverage designed for individuals, families and employer groups, short and long-term for both inbound and outbound locations. Global medical coverage along with access to the finest medical professionals possible wherever you are in the world.  Coverage includes; hospital care, outpatient services, prescription drugs, maternity care, lab and X Ray, annual screenings and preventive care and most other comprehensive medical services.  Access to an elite network of doctors, hospitals and specialists in over 180 countries.

Is renewal guaranteed under this policy? You can enroll in a GeoBlue Xplorer policy up to age 74. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all re-enrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

Do your plans cover maternity? After 364 days of continuous coverage, GeoBlue Xplorer members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions. Members do not need to submit a new health statement.

How much will the price increase next year upon renewal? Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all reenrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

Are preexisting conditions covered? If you were previously covered by a group or individual U.S. health plan that issued you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the six 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.

Can the member keep this when they come home? Yes, for a maximum of 9 months. The Long Term plans stipulate that applicants intend to spend 3 or more months outside their home country per policy period.

Are prescriptions covered? Yes, the policy includes retail and mail order prescription drug coverage whether members are inside and outside the U.S. If a prescription drug is unavailable in a country outside the U.S. GeoBlue makes arrangements to ship the medication directly to the member.

Questions?  Call or email anytime.

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

Information Request:

GeoBlue Group International Medical Insurance

GeoBlue International Travel InsuranceEmployee 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  (2 days up to 6 months)  Vacations, business trips, short term global travel.
  • Long Term  (6 months and longer)  Expatriates, Multinational Employees, Global families, extended vacations etc.
  • International Students & Faculty – Inbound or Outbound (F-1 & J-1 Visa).
  • Vacation Insurance  Medical coverage with; trip cancellation, trip delay, lost/damaged luggage, emergency evacuation and repatriation.
  • Quote and Information Request form
Global 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.

GeoBlue Pays doctors Direct …

Some international insurers including GeoBlue pay their contracted doctors direct so the employee doesn’t have to save the receipts, submit the claim and wait for re-reimbursement which can take several weeks or months.

Your domestic 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 …

GeoBlue Worldwide is a company with an excellent mobile app which travel 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.

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 has an elite network of doctors from almost every specialty ready to see you in over 180 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

Information Request:

 

International Student Medical Insurance

Inbound and Outbound International Medical Insurance for Students and Faculty for all schools; private or public, elementary, high school, Jr College, Trade School, College and University.

J-1 and F-1 Student Visa eligible policies.  Comprehensive Global medical insurance cover for the student studying outside of their home country, along with access to qualified physicians and hospitals in over 190 countries.  Protect yourself against unforeseen accidents and illnesses.

  • International Medical coverage for the global student.
  • U.S. student and foreign students studying and living abroad.
  • Hospital coverage, doctor visits, prescriptions, lab & X-ray, psychiatric svc., emergency room, surgery, preventive services, check ups, and much more.
  • Emergency medical evacuation & repatriation.
  • 24/7/365 member assistance services.
  • Access to qualified doctors, hospitals and specialists worldwide.
  • GeoBlue Brochure
  • Application – Download Here

Students, Faculty, Staff and Administrators

Advantages of a GeoBlue Student plan Vs. Affordable Care Act Plan:
  1. GeoBlue provides “Emergency Medical Evacuation and Repatriation benefits, ACA plans do not.
  2. GeoBlue is a PPO plan which allows you to see any doctors outside the U.S. and access to the Blue Cross Blue Shield network across the U.S.  Many ACA plans to not allow coverage outside the network.
  3. GeoBlue offers lower premiums with better benefits.
  4. GeoBlue has a very quick and easy online enrollment.
  5. 24/7 member access line, talk to a GeoBlue help manager.  ACA plans only have traditional business hours. No help at night, weekends or holidays.

Group Quotes Available

Educational organizations can cover groups with 25 or
more enrollees, and  Group plan designs can be customized.

Tailored plans for your group

GeoBlue plans provide a full range of the medical benefits necessary to meet the expectations and situations of your inbound population. In addition to the standard J1-compliant offerings, a variety of optional benefits including mental health, sports injury and maternity coverage are also available.

Access to the largest network in the U.S.

GeoBlue members have access to the Blue Cross Blue Shield network—the largest in the U.S. The 92% of doctors and 96% of hospitals participating allow for maximum convenience and flexibility for those in need of healthcare services. This network will bill GeoBlue directly so members don’t have to worry about out-of-pocket expenses during care—whether it’s inpatient or outpatient.

A one-call solution for any issue

With GeoBlue, members get concierge-level service, meaning it’s prompt and easy to get care when they need it, wherever they are.
Global services are available 24/7/365 to assist members with anything from arranging direct pay, coordinating evacuations or getting
the proper follow up care.
For administrators, GeoBlue is readily available to help you assist your students with any question, problem or concern whether it’s
related to the expected or unexpected.

Exceptional Member Services

GeoBlue has a clear knowledge of U.S. healthcare and a deep understanding of the confusion experienced by those who are unfamiliar with it. Our U.S.-based customer service and medical assistance teams are readily available to help international members understand and navigate the U.S. healthcare system. Our representatives cover many foreign languages, allowing us to discuss coverage and personal health topics with our international members in their native tongue.

Please call or email for more info.

GeoBlue International Student Plans specifically designed for:
  • Students, scholars, and faculty members who are engaged in international educational activities while living outside their home country.
  • High School students attending a public or private school in the U.S. or abroad.
  • JR. College, University and Post Graduate students.
  • Coverage is designed to meet the U.S. F-1, F-2 and J-1, J-2 visa travel insurance requirements.

When global students pursue their global studies they will feel secure in the knowledge that they can access quality medical care when and where they need it. Global student health plans are comprehensive, competitively priced and come with vitally important health information and concierge-level medical assistance services.

Emergency Medical Evacuation …

This is very important coverage and should be included in all international plans!  Domestic health insurance does not provide coverage for emergency air evacuations.  Emergency Medical Evacuation or Repatriation is;

  1. Your medical condition warrants immediate transportation from the place where you are located (due to inadequate medical facilities) to the nearest adequate medical facility where medical treatment can be obtained.
  2. After being treated at a local medical facility, your medical condition warrants transportation with a qualified medical attendant to your Home Country to obtain further medical treatment or to recover.

Eligibility …

GeoBlue Student Navigator is designed for extended living abroad. You can choose to enroll in a new plan when your existing plan expires. When you do, there are no medical questions and premium rates do not change based on your individual claims history. Your new rate will be the same as all persons covered in your rating class.

Please call anytime with questions or for more information.

John Conner
916-682-1117
John@JohnConner.com

Quote & Information Request:

GeoBlue International Travel Insurance

 

GeoBlue Voyager International Medical Insurance

GeoBlue International Travel InsuranceGeoBlue International Health Insurance. Providing global travelers with comprehensive worldwide coverage coupled with access to qualified doctors and hospitals in over 190 countries.

GeoBlue International Travel Health Insurance plans for global families, expatriates, independent contractors and international students.  GeoBlue protects you wherever you go worldwide.  Domestic health insurance tends to shrink and often disappear when borders are crossed.

2 PLAN TYPES ..

Short-Term … Plans for a few days up to a maximum of 6 months.  Short term plans are guaranteed enrollment regardless of current or previous health status, and are comprehensive major medical plan which include coverage for: hospital, doctor visits, Rx, lab & x-ray, physical therapy, emergency evac, and much more.  Click here.

Long-Term (Expatriate) … The long-term coverage is for the person needing coverage over 6 months, up to a permanent policy.  Like the short term plans these provide very comprehensive benefits and coverage for your worldwide protection. For the global family, expatriate, individual employee etc.  Click here.

The GeoBlue Voyager is considered a short-term plan, offering international medical coverage for a few days up to 6 months.  The Voyager is ideal for business travel, vacations, visiting relatives, students and cruise trips.

Quote options allow you to change deductible options, add or remove Rx coverage, dental coverage and you can add or remove U.S. coverage.

  • GeoBlue Voyager “Short-Term” Quote
  • GeoBlue Xplorer “Long-Term” Quote

View the Xplorer Benefits below:

GeoBlue Xplorer:

The GeoBlue Xplorer is the Long-Term plan which covers you outside and inside the U.S. and is designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study.

If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

  • An insured person must be under age 75.

Pre-existing conditions:  The GeoBlue Xplorer plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days immediately preceding the member’s eligibility date.

Creditable coverage:  The 180-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

Licensed & Admitted:  This policy is a U.S. Admitted plan and affords members unique protections not available on most offshore plans.

Trip Coverage Period Start Date:  For a scheduled trip to a foreign country, the insured person’s coverage starts when he/she boards a conveyance at the start of the trip.

Trip coverage period End Date:  coverage ends: (1) for a scheduled trip to a foreign country, when the insured person alights from a conveyance at the completion of the trip; or (2) if the insured person is covered under the Medical Evacuation Benefit, upon the insured person’s evacuation to his/her home area.

Treatment Received from Foreign Country Providers:  Benefits from services and supplies received from foreign country providers are covered.  The insured person may seek the assistance of GeoBlue in locating a provider.

Network of GeoBlue Doctors and Hospitals Worldwide:

GeoBlue has an elite network of doctors from most 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 158 Physician Advisers from all over the world.

GeoBlue Travels with you It’s a worldwide, all-access pass to an exclusive level of care. Use your mobile device to quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.

Traveling Far from Home:

You are now halfway around the world, maybe in a part of the world which you are not familiar with how to access health care.  This is why you need a partner to help you along the way if your suddenly encounter a serious illness or accident.

Questions you should ask yourself:
  • How do you access care?
  • Do you go to the public clinic or hospital, or are the private doctors a better choice?
  • How do I find the right doctor?
  • How do I communicate if the Doctor or staff do not speak my language?
  • You are taken to an unfamiliar facility after an auto accident, what now?
  • A terrorist attack, or bombing while sitting in a cafe, what if I’m hurt?
Why Choose GeoBlue:
  • U.S. license and admitted coverage.
  • Cashless access to the best provider networks inside and outside the U.S.
  • Choice of deductible options – waived for office visits.
  • $30 office visit copay – reduced to $10 outside the U.S.
  • 100% coverage for doctor visits, hospital services and X-ray and lab.
  • Pre-existing conditions exclusion waived with prior creditable coverage.
  • No waiting period associated with preventative services.
  • No exclusion for specified conditions in the first 6 months.
  • No pre-certification penalty imposed.
  • Sports and alcohol related injuries covered.
  • GeoBlue has been providing international medical and travel insurance to citizens of all countries since 1993.
  • 24 hour Assistance services ready to assist in locating proper medical care when you are traveling away from home.

geoblue-mobileGreat Technology at your FingertipsGeoBlue Travel Insurance company has some interesting and useful applications you can use on any mobile device.  Quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.

With a few simple taps, get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists-where you are, when you need it. Review qualifications, make an appointment, and get directions, right from the App or a mobile device.  Plus, proof of coverage is always at your fingertips, ready to show and share with providers. Mobile Assistance is backed 24/7 by our toll-free assistance line.

Call today for more information.

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

Information Request: