International Student Global Health Insurance

Moving to a new Country for Study?

International Student and Faculty medical coverage for U.S. Inbound or Outbound (High School, Jr. College and University),  J-1 and F-1 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 180 countries.  Protect yourself against unforeseen accidents and illnesses.

QuoteGeoBlue International Student Plans

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

GeoBlue Navigator for Students …

GeoBlue Navigator student

International Student Plans are 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.

cigna international student benefits 2016

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 and workers compensation does not provide coverage for emergency air evacuations.

  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.

Cigna Customer Care …

Customer Services Centers with multi-language assistance and support.
A Medical network consisting of over 1 million partnerships, including 89,000 behavioral health care professionals, and 11,400 facilities and clinics.
A simple claims system that enables you to access treatment without paying in many cases, simply be calling our Customer Care Team first.

Cigna Global customer-area

Paying your Premiums … You can choose to pay for your premiums on a monthly, quarterly or annual basis.  You can make payments by debit or credit card, or alternatively in you pay annually, you can pay by bank wire transfer.  Please let us know if your credit card has expired or if you get a new credit card so that we can update your card number and expiration date.

Renewing your Policy … We will contact you at least one calendar month prior to the end of your period of cover to see whether you want to renew your policy.  We will inform you of any changes (if any) to your benefits and policy terms and conditions which will apply on renewal.  your policy documentation for the forthcoming period of cover will be available in your secure online Customer Area, including your schedule of insurance which details your premium.  If you have chosen to receive printed copies of your policy documents, we will send them to the postal address you gave us.  If you decide to renew, you don’t need to do anything, and your policy will be renewed automatically for another 12 months.  We will issue a Certificate of insurance for your new period of cover on your annual renewal date.

How the CIGna Global Plan Works:

Our wide range of deductible and cost share options allow you to tailor your plan to suit your needs.

You can choose to have a deductible and or cost share on the Cigna international Medical Insurance and or international Outpatient options.  No deductible applies to inpatient cash benefits or newborn care benefits.

You will be responsible for paying the amount of any deductible and cost share directly to the hospital, clinic or medical practitioner.  Cigna Global will let you know what this amount is, if you select both a deductible and cost share, the amount you will need to pay due to the deductible is calculated before the amount you will need to pay due to the cost share.  The out of pocket maximum is the maximum amount of cost share any beneficiary would have to pay per period of cover.

Example #1

Cigna deductible example 1

Example #2:

Cigna deductible example 2

International Medical Insurance is your essential cover for inpatient, day-patient and accommodation costs, as well as cover for cancer, mental health care and much more.  Our policies travel with you wherever you may be worldwide.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

Senior International Travel Insurance

Seniors who travel, vacation, work or live abroad need to be aware that Medicare does not provide any coverage once you leave the U.S.  Senior Travel Insurance pays for the unexpected illness or accident costs.

Medicare Supplement plans along with Medicare Advantage coverage typically offers very little and often no coverage as well outside our borders.

QUOTE:

You need to be very careful while on vacation, even if it’s a quick trip.  Many accidents or illnesses will not be covered while abroad.  If you need medical attention you will typically be asked for a credit card to pay for the services.  Medical facilities will not accept and do not know who Anthem, Mutual of Omaha or Aetna is.  Your ID card means nothing to them.  They all know visa and mastercard.

When you return to the States, you will need to send your insurance company any receipts you have which shows the medical services you paid for.  In each situation the insurance company will determine if each service is considered an “emergency situation.”  Which they will pay a portion of.  If the service you received is not considered an “emergency” you will not be reimbursed.

On a Cruise .. I’ve heard of too many occurrences where a person becomes gravely ill, and the boat authorities inform the individual, the boat is not properly equipped to care for your health needs and that you will need to embark on the next island.  An ambulance is waiting to take you to the nearest medical facility.

In this situation you have lost all control of your situation and are relying on local authorities and medical services to help you.  With a GeoBlue Travel Insurance policy, with one call you will be assured a team of professionals are working to quickly coordinate the best available medical care for you regardless of where are worldwide.  Whether at the local island or if you will be emergency evacuated to a new location which can properly care for your current needs.  GeoBlue is available 24/7 to help you nevagate the complicated global health care situation wherever you may be.

There are typically 3 types of Travel Insurance plans:
  1. Short-Term Plans (a few days up to 6 months), global medical insurance with coverage for illness, accident and Rx coverage for the short international trips, cruises, tours or other globe hopping adventures.  Info
  2. Long-Term Plans (6 months or longer). Expatriate medical insurance for the person or family who lives abroad for longer periods of time.  Maybe, in several global locations through out the year. Comprehensive medical insurance worldwide.  Info
  3. Trip-Insurance – A plan with medical coverage for illness and accident along with reimbursement for costs such as longs or damaged luggage, missed flights or tours because of late connections.  Cancelled excursions, or cancelled trip because of unforeseen situations such as; illness or injury before your leave on your trip.  Info.
International Medical Plans  (Long & Short-Term)
  • Long Term – 6 months or longer, including permanent plans:  Global families, Expatriates, Multinational Executives and Employees on foreign assignment.
  • Short-Term  few days up to 6 months. Vacations, business trips, etc.
  • Students  International Students & Faculty – Inbound or Outbound (F-1 & J-1 Visa).
  • Vacation Insurance  Trip cancellation, trip delay, lost/damaged luggage, Medical coverage.

Medical Emergency Abroad … If you are experiencing a medical emergency abroad and need air transport, with one call, your GeoBlue team of experts will coordinate and arrange all of your transportation needs.  With only domestic health insurance or Medicare you will be responsible for arranging everything from a emergency ground transportation, discharge and paying the local hospital so air evacuation services can transfer you to adequate facilities.  Transportation may require medical personnel to accompany you to a different hospital facility, or back to your home country.

U.S. Department of State: “In many places of the world, doctors and hospitals still expect payment in cash up front, before you are seen by a doctor. You can’t simply give them your insurance card and expect it will go through. If your policy doesn’t go with you when you travel, it’s a very good idea to purchase a separate policy for your trip.”

Great 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.

To protect against unforeseen events that could result in long-term financial hardship, GeoBlue has established a medical travel insurance program to fit the needs of travelers worldwide.

Many people falsely believe that their existing American health insurance or Medicare policy will cover them when abroad.  This is not usually the case.  Confirm what coverage, if any, your current insurer provides.  Likewise for a person coming to America from another country, in most situations you will need an International/Travel health policy in place when you arrive to the U.S.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

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

Questions & Comments:

Cigna Global International Health Insurance

Cigna Global offers four comprehensive international health insurance plans for the individual Expatriate working, living and studying worldwide. Short or long-term comprehensive medical plans for individuals and dependent family members.

4 Long-Term Plans to choose from:

The Close Care plan, Silver, Gold and Platinum plans, all designed for long term international medical needs.

Ideal for; Global families, long term work assignments, school or simply to live abroad.

Why Cigna Global:

Over 30 years’ experience in providing global health insurance.  Today we have 86 million customer relationships in over 200 countries.  With a workforce of over 37,000 people looking after our members, plus a medical network of over 1 million partnerships, which include 89,000 behavioral health care professionals, and 12,000 facilities and clinics.

The New lower priced Cigna “Close Care” planClick here for details

Quote:

Cigna Global          GeoBlue          International Student

When choosing benefits, the plans start with the “Core” benefit package, and additional 4 optional benefit packages which can be added to your “Core” benefits:

Optional Benefit Packages include:  Outpatient, Emergency Evacuation, Health & Wellness and Vision & Dental.

Cigna Global Plans:
  • Close Care … Overall annual benefit: $500,000
  • Silver … Overall annual benefit:  $1,000,000
  • Gold … Overall annual benefit:  $2,000,000
  • Platinum … Overall annual benefit:  Unlimited

Below are the Optional Benefit Modules:

Cigna has provided global health insurance for over 30 years.  Today we have over 70 million members in over 200 countries.  Looking after them is an international workforce of 31,000 people.

Is your medical coverage restricted or limited when working or traveling abroad.  Is doctor or hospital access refused. Are claims denied. Domestic health insurance is simply not designed to work overseas.

International Health Insurance on the other hand is specifically designed to provide easy global access and comprehensive medical coverage for anyone who leaves their home country for work, study, vacation or simply to live.  Global families, Multinational Executives, Expatriates, employees on foreign assignment, Multinational employer groups and International Students.

Your domestic health insurance and workers compensation will fall short when it comes to care in another country.  Most care is not covered once you leave the U.S. borders.  Also in the event of a medical emergency, neither domestic health insurance or work comp will pay for the emergency medical evacuation back to the States, Cigna will.

Why is Global Medical Insurance so critical for international travel?  First and foremost is access to 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 health insurance or international health insurance coverage.

Also, standards of hospitals and clinics vary greatly from country to country.  While you may find some that offer high quality care, you are also likely to find some that are considered to be “below average” and even in poor condition.  Some hospitals won’t provide any treatment–or allow a patient to be discharged–until the hospital has received a guarantee of payment. This means you’ll have to pay in advance, perhaps as much as tens of thousands of dollars, with your credit card.  In this case, the hospital must accept foreign credit cards, and your card must have a sufficient credit limit.  Or you can take with you an International Health Insurance Plan from a company like GeoBlue.

U.S. health insurance and Medicare stops at our border. Don’t put yourself in the position to have to pay for your own international medical bills.  The claims will be denied!

International Health & Well Being …  

  • Take control of your own health.  The international Health & Wellbeing module helps you proactively manage your health before you fall ill.
  • Screen against disease, test against common illnesses and get reassurance with routine physical exams.
  • Also benefit from dietetic consultations, counselling support and our online health educations program.

International Dental & Vision …  

  • Look after eyes and teeth with International Dental & Vision coverage.
  • See the difference with vision care.  This covers you eye tests, corrective lenses, eyeglass frames, prescription sunglasses and contact lenses.
  • Maintain healthy teeth with a wide range of dental treatments.  You are covered for preventive, routine, major and some orthodontic procedures.

Your Health Care Partner …

All policies are not made equal.  Make sure your benefits include coverage for; a terrorist act, emergency evacuation to receive proper medical attention.  A company who meets rigorous U.S. insurance laws, translating to enhanced consumer rights.  You don’t want an “off-shore” insurer with few consumer regulations.  You also want 24/7 toll-free call center to assist you with everything from routine requests, to emergencies.  The HTH staff have years of experience with international medical assistance and has close working relationships with it’s international provider community.

International Health Insurance plans come in all shapes and sizes.  Make sure the plan you enroll in will meet your needs while living, traveling, studying or working abroad.  The right company and plan can turn a frightening situation in a foreign land into one you are thankful for the choices you made before you left home.

Enroll in a Cigna plan … 
  1. Choose either the; Close Care, Silver, Gold or Platinum plan.
  2. Add Optional Modules:  International Outpatient – Emergency Medical Evacuation – Dental & Vision and International Health and Well-being.
  3. Pay for your plan – we accept most credit cards and also annual bank wire transfer.

Group Health (International):


Cigna Global offers Group Health options for Employers with International and Multi-national employees.

You Expect the best from your employees on assignment in another country.  And they expect the same from you.  That’s where Cigna Global Health insurance for employees on international assignment for more than six months.  Cigna offers the high-level coverage they expect … and then some.

You have employee expatriates and third country nationals working in other countries. You want them to have easy access to quality health care around the world.  Cigna Global provides superior claims handling, 24/7 member services to talk to a live person to help with your situation. In addition one of the larges international doctor, hospital and pharmacy networks available.

When it comes to international health care benefits, you have high expectations.  And Cigna does it’s best to exceed them.  Cigna’s Employer Global Health plans go beyond health benefits and can be tailored to what your company needs.

Cigna Global employer plans

Benefits you need to be aware of …
  • Inpatient, Outpatient, Prescriptions and much more.
  • Access to the world’s largest health network – with more than 1 million doctors and hospitals across the globe.
  • Fully compliant plans.  We are experts in helping choose or design globally compliant solutions that are cost-effective and comprehensive.
  • 24/7/365 access to our Service Center and in-house team of international doctors and nurses.
  • CignaEnvoy.com.  This innovative website is loaded with features that help you manage your benefits and help your globally mobile employees get the answers and care they need.
  • The option to speak with a counselor about mental, emotional and general life issues through the international Employee Assistance Program.  Help is available anytime.
  • Quick claims payments.  More than 90% of clean customer claims are paid in 10 days or less regardless of language or currency.
  • A success rate of nearly 100% in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.
  • Additional “above and beyond” services that include remote second opinions from the Cleveland Clinic, international pharmacy fulfillment, and much more.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go.  Even if they get relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

You’ve Got Options … In addition to our global health offerings, you can add dental, long-term disability, life and evacuation / repatriation coverage.  Create the ultimate benefits package by adding all of them, or pick and choose what’s best for your company.

Evacuation / Repatriation … If an emergency strikes, our evacuation / repatriation policy ensures that your employees get transported to a facility that can handle their needs.  This optional benefit is payable at 100% and has no deductible.  Medical coverage is required for this optional benefit.

  • Also consider GeoBlue, another quality international carrier.  Part of the Blue Cross Blue Shield group of companies.

Please contact me anytime with questions.

John Conner
1-916-682-1117
John@johnconner.com

Questions & Comments:

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.

Quote:

“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

Questions & Comments:

 

International Medical Insurance for Silicon Valley Employees

Silicon Valley employees, independent contractors, third country nationals and global families all need international medical insurance protection from accidents and illnesses which occur abroad.

Silicon Valley companies who send their employees abroad on long-term and short-term assignments can be covered by either a Group International plan or single Individual international medical plans.

Both offer similar coverage, although the group plan will offer guaranteed enrollment regardless of the employees current or previous health status. Individual international medical plans, at least the “good ones,” will have limited medical underwriting which need approval before the policy is either approved or denied.

Quote:

When are “Individual” International medical policies chosen?  Usually when there are a few employees and or families needing coverage.  More than 5 or 6 employees or contractors, the employer will typically opt for a group international medical plan.

Group Plans are very easy to start and have very limited  administration. Also, group plans can include independent contractors and third country nationals who are not necessarily on your payroll.  You do not need proof of employment through payroll records.

Silicon Valley’s tech, medical and pharmaceutical industries are all very involved with providing international medical insurance to their employees and contractors on a short-term and long-term basis.

Start-ups with only a few employees up to multinational corporations with hundreds, take advantage of the available international coverage options regardless of where you are and for how long.

BENEFITS TO BE AWARE Of:

  • Inpatient, Outpatient, Prescriptions and much more.
  • Access to the world’s largest health network – with more than 1 million doctors and hospitals across the globe.
  • Fully compliant plans.  We are experts in helping choose or design globally compliant solutions that are cost-effective and comprehensive.
  • 24/7/365 access to our Service Center and in-house team of international doctors and nurses.
  • CignaEnvoy.com.  This innovative website is loaded with features that help you manage your benefits and help your globally mobile employees get the answers and care they need.
  • The option to speak with a counselor about mental, emotional and general life issues through the international Employee Assistance Program.  Help is available anytime.
  • Quick claims payments.  More than 90% of clean customer claims are paid in 10 days or less regardless of language or currency.
  • A success rate of nearly 100% in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.
  • Additional “above and beyond” services that include remote second opinions from the Cleveland Clinic, international pharmacy fulfillment, and much more.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go, even if they are relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

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

Information Request:

International Medical Insurance for Oil and Gas in Latin America

Oil and Gas employees, independent contractors, third country nationals and executives all need International Medical insurance while working and living in Latin America.

In the event of an accident or illness while on the job or off, your International Medical plan is designed to pay so you don’t have to. Hospital, outpatient, lab & X-ray, emergency evacuation, Rx, surgery, Dr. visits and much more.

Quote:

Plus access to quality english speaking doctors and specialists worldwide.

All divisions of the oil and gas industry in Latin America are covered with an international medical plan. Including; exploration and production, storage and transportation, refining, pipelines, booster stations and compressor stations.  And don’t forget about Human Resources.

Medevac

Working in a large city or remote location, international medical can provide not only desperately needed medical care but also access to the best most qualified specialists and surgeons available.  If adequate medical is not accessible, companies like Cigna Global will medi-vac you to a city, state or country that provides the quality care you need.

Many hospitals in Latin America won’t even admit you in the event of an emergency unless you have either a high limit credit card or an international medical insurance ID card from a reputable insurance company.  Domestic insurance is not looked upon favorably outside of the U.S.  It simply doesn’t pay for enough services and reimbursement takes too long for it to be reliable international insurance.

Living in a new location

If you are new to a country or location, most likely you are unfamiliar with were to go for medical treatment, the language may be a barrier or there are simply no westernized facilities available.

Experienced global medical insurance companies provide mobile applications to help locate doctors, view their profiles, fill prescriptions, schedule appointments, provide common medical term translations along with other useful information.

24/7/365

Need help?  You have phone access to advisors, translators and risk managers for mild concerns up to emergency situation.  Access to experienced, professional help is at your fingertips.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go.  Even if they get relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

You’ve Got Options … In addition to our global health offerings, you can add dental, long-term disability, life and evacuation / repatriation coverage.  Create the ultimate benefits package by adding all of them, or pick and choose what’s best for your company.

Evacuation / Repatriation … If an emergency strikes, our evacuation / repatriation policy ensures that your employees get transported to a facility that can handle their needs.  Medical evacuation is a critical benefit, insuring your employee of dependent family member is transported to a facility that can properly care for their medical emergency.  To a hospital nearby, to another country or back home for care. This optional benefit is payable at 100% and has no deductible. Medical coverage is required for this optional benefit.

Call today for more information regarding long and short-term international medical coverage.

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

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Human Resources (HR) and International Employee Benefits

The Human Resources (HR) department is typically the area where International employee benefits are introduced and implemented, such as long-term and short-term International Medical Insurance or Business Travel Accident (BTA).

Some international medical policies will need underlying domestic health insurance in place, others do not.

Individual & Group International Medical

If your company only has a few employees traveling working and living abroad, an individual and family international medical plan will most likely be advised.  For larger numbers of global employees the company can implement an international group medical plan for employees on short-term and long-term global assignments.

An international medical plan should always include; hospital services, outpatient, emergency evacuation, rx, Dr visits along with lab and X-Ray.

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Business Travel Accident (BTA)

Some multinational companies will choose to go with a Business Travel Accident (BTA) policy. This can work well for medical coverage as a result of an accident. The policies will also include emergency evacuation along with some reimbursement features for luggage and lost expenses from cancelled flights/hotels etc.

The BTA premiums will typically be lower than a full international medical plan, because most do not include “illness” coverage, and there is typically a maximum benefit per trip.

Domestic Health Insurance provides very little and often NO coverage when outside the U.S.  Worse yet, if an emergency strikes and you need a medical evacuation or need to be flown home for care, international medical provides this coverage while your domestic group health plan does not. Emergency medical evacuation and repatriation services can cost upwards of $100,000 depending on your location, the distance to care, and if a nurse or medical staff is necessary during the flight.

A One-Call Solution for any issue

Some international medical insurance companies have concierge-level service for it’s members.  Global services are available 24/7/365 to assist members with anything from arranging direct pay, coordinating an emergency evacuation or getting the proper follow up care.  For Human Resource administrators, the right policy is readily available to help you assist your employees while on their foreign work assignment.

The One-Call solution along with the mobile app, which is available with certain companies, allows the employee to receive or send vital information or connect directly with the company for assistance.  This communication is a much needed asset for the employee and their family while living abroad.

If help is needed during a holiday, over the weekend or late at night, can they call their domestic carrier?  Is HR open or available to assist?  Global assistance is one of the many assets International medical companies provide.

If you have a unique situation with an employee, independent contractor or third country national, feel free to contact me anytime.  I’m happy to assist with your international medical, group or individual needs.

Questions or more information?

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

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U.S. Employee International Medical Insurance for Mexico City

U.S. Employees and contractors who work and live in Mexico City will need long-term International Medical insurance to pay for medical services along with providing access to care while living and working in Mexico.

Individual or Group International Medical:

Employers can offer either an International Group Medical plan or if they only have a few employees, contractors or third country nationals on a long term work assignment, they may choose to place them on international individual and family plans.

Quote:

The coverage, benefits and access to care is all similar, although the individual plans have a little less administration to get started.  Although there is limited medical underwriting with individual policies, where the Group plans are guarantee-issue regardless of the employees health status.

your HR department may offer these two options; individual or group. Depending on the Intentional Medical Insurance company providing the policy, you may enjoy more comprehensive coverage than your domestic health insurance plan, along with a much lower premium.

Your International policy can provide worldwide coverage excluding the U.S., or you can choose to include U.S. coverage and have access to all BCBS doctors and hospital in all 50 states.

A popular Employee option …

Has been to choose an International Family medical plan with U.S. coverage.  This replaces your domestic health insurance policy, which provides excellent global coverage including in the U.S. and provides better coverage with lower rates then your Affordable Care Act (ObamaCare) plan.

PLAN TYPES:

  • Individual – Individuals & Family – Long & Short-Term plans.
  • Group – 2 or more global employees, independent contractors, Third Country Nationals.
  • Student – High School, Jr, College, Trade School and University – Students & Faculty.

Group BENEFITS TO BE AWARE Of:

  • Inpatient, Outpatient, Prescriptions and much more.
  • Access to the world’s largest health network – with more than 1 million doctors and hospitals across the globe.
  • Fully compliant plans.  We are experts in helping choose or design globally compliant solutions that are cost-effective and comprehensive.
  • 24/7/365 access to our Service Center and in-house team of international doctors and nurses.
  • CignaEnvoy.com.  This innovative website is loaded with features that help you manage your benefits and help your globally mobile employees get the answers and care they need.
  • The option to speak with a counselor about mental, emotional and general life issues through the international Employee Assistance Program.  Help is available anytime.
  • Quick claims payments.  More than 90% of clean customer claims are paid in 10 days or less regardless of language or currency.
  • A success rate of nearly 100% in establishing guarantees of payment on behalf of customers to doctors and hospitals around the world.
  • Additional “above and beyond” services that include remote second opinions from the Cleveland Clinic, international pharmacy fulfillment, and much more.

No matter what you choose, your globally mobile employees will be covered virtually wherever they go.  Even if they get relocated.  And to make the return home less stressful – for you and them – they’ll have a period of time where their Cigna Global plan covers them at home.

The international medical company you choose may provide direct pay, which means, they have a global network of doctors and hospitals, and will pay they direct so you don’t have to.  If you choose a doctor or hospital not contracted, the company will do their best to still pay the providers direct, to save you the hassle of waiting for reimbursement from your employer.

Many international companies do not provide “direct pay,” but a select few will offer this terrific benefit.

The Mobile App for U.S. Employees:

Make sure your international company provides this!

With the mobile app … world travelers have convenient access to so many handy features while abroad.

  • Search providers for medical, dental, or mental health care and map them using GPS technology.
  • Arrange direct pay for future appointments to secure cashless access to care.
  • Access Guarantees of Payment to view and share with others including doctors and hospitals.
  • File a claim either by entering information in the app or by sending a photo of a completed form.
  • 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 smart phone and fax a copy directly to provider’s office.

The Mobile App is a must when traveling through out Mexico.

Group or Individual … International Medical insurance comes in many forms. Make sure you are properly covered and protected for what your unique needs.

Questions?

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

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Long Term International Medical Insurance in France

For anyone needing a Long-Term International Medical insurance policy for France, there are several requirement you need to be aware of to satisfy your Schengen visa.

Travel and vacation visa’s a difficult to come by if you wish to stay longer than 90 days.  But if your stay is for employment, the work visa will allow your long term work stay in France.

Long-Term Work Visa ..

If you’re planning on working for more than 90 days, you need to apply for a long-stay visa, which also acts as your residence permit.  With the approved visa, family members can also accompany you during your long term stay.

The EU Blue Card is for highly skilled workers. This is a one to three year work visa which can be renewable.  After five years, you’re eligible for the renewable, 10-year, long-term EC residence card. Family members can get a private and family life residence permit, allowing them to work and after five years, they too are eligible for the long-term EC resident card.

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France medical insurance requirement:

Along with other required documents needed to get a Schengen visa, all applicants have to present a medical insurance policy valid for the 27 European country Schengen territory.

A letter from your insurance company is required. This letter has to mention that you will be covered in Europe for any medical, evacuation and repatriation expenses during your whole stay.

GeoBlue and Cigna Global both meet the Schengen visa coverage requirements.

The international medical coverage travels with you wherever you may be. While in France, you work assignment may take you to other European countries.  Weekend trips outside of France or extended vacations anywhere worldwide.  You’re covered!

24/7/365 Help ..

With access to 24/7/365 member help line, to assist you with an emergency, finding a doctor, locating a facility, or any other situation you may be in while outside of your home country.

Mobile App ..

You can also use the mobile app on your phone or tablet. This excellent tool is the most convenient way to access the best local doctors, hospitals and resources:  Search providers and request an appointment.  Find medication availability, translate medical terms and phrases and use the audio feature to play translation as necessary.  View your ID card and fax a copy directly to doctors to confirm eligibility.

DON’T LEAVE YOUR GLOBAL EMPLOYEES STRANDED ..

When your employees are outside the U.S., who do they call when a medical issue strikes?  Their Human Resources (HR) department, their insurance company, who is probably closed at the time.

Is your health insurance customer service department available in the evening or weekends?  Do they have translators available, will they tell you where the nearest hospital is, will they coordinate an emergency medical evacuation.  Of course not.

For information regarding an International Medical insurance plan, group or individual, please contact me anytime.

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

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Human Resources Recommends Long Term International Medical Insurance

Human Resource professionals can’t go wrong when they recommend long-term International Medical insurance for their employees working and living abroad.

Your employees look to you for advice and recommendations when taking a foreign assignment.

  • Where should I live?
  • Are there schools near for my kids?
  • What kind of license do I need to drive?
  • What about income tax?
  • Who do I call during an emergency?
  • Are there certain customs I need to be aware of?
  • Do I need medical insurance for my family?

These and many other questions need to be addressed before departure.

PLAN TYPES …

International Medical insurance for your employees provides the protection, benefit coverage and risk management services for your foreign workforce.

Quote:

If an emergency strikes while abroad, you don’t want your employees calling you.  That is not your responsibility.  Their international medical carrier is available 24/7/365 to assist them in any medical situation.

From locating a doctor or hospital, to paying for illness and injury costs such as; surgery, dr. visits, Rx, maternity, lab & x-ray, and coordinating emergency medical evacuations.

If an emergency strikes over a weekend, will your work comp or domestic health insurance company answer the phone, let alone help with the situation at hand?  No they won’t.  Then who is the next call going to .. HR.

The International medical carrier, is the goto contact when medical assistance is needed.  They are the experts familiar with the international medical market, country specifics and locations of quality critical care units and facilities globally.

Don’t leave your employees stranded and without communication.  If they need help and it happens to be over a weekend, during evening hours or on a holiday, your employees will have instant access to professional help and guidance 24 hours a day, 365 day a year.

INTERNATIONAL MEDICAL COVERAGE FOR …

Employer Group Plans – Contractors – Third Country Nationals – International Students – Global Families

2 OPTIONS FOR EMPLOYERS:

Companies with global employees are providing comprehensive short and long-term international medical insurance benefits for their employees while working and living abroad. Employers and HR departments are using both International Group plans along with Individual and family international medical plans to properly cover their employees, contractors and third country nationals while working outside of their home country.

With more than a handful of global employees, an “international group” plan may work best because of the “guarantee-issue” enrollment opportunity.

MOBILE APP …

The Mobile App .. An Innovative Online and Mobile Tool …  Most convenient way to access the best local doctors, hospitals and resources: Search providers and request an appointment.  Find medication availability, translate medical terms and phrases and use the audio feature to play translation as necessary.  View your ID card and fax a copy directly to doctors to confirm eligibility, all at your fingertips.

Please contact me anytime for more information.

Question?

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

Information Request: