GeoBlue Navigator Worldwide Health insurance built for International Students and Faculty in the U.S. and Abroad. International Students and faculty studying and working in the U.S., and U.S. outbound students and faculty worldwide.
- Unlimited annual and lifetime medical maximum.
- International Students entering the U.S.
- U.S. student studying abroad.
- Deductible waived for office visits with doctors, J1 Visa compliant options.
- No waiting period for preventive services.
- No pre-certification penalty for inpatient or outpatient care.
- Pre-existing conditions covered with creditable coverage.
- Illnesses and injuries related to terrorism are covered.
Growing demands lead to top-notch international health insurance being available for the first time.
You barely have to turn the page in a newspaper or magazine these days to see that globalization is at the epicenter of the new world order. As global lifestyles emerge, the demand for comprehensive international health insurance has grown rapidly. In response to this demand, a new generation of superior health plans is now available to serve expatriates and their families. This is a positive development for American expatriates who have historically had limited choice when it comes to coverage. Existing insurance options have often missed the mark because of limited benefits, long waiting periods, harsh exclusions, pre-certification penalties, lack of portability and other hidden gotchas.
What does this mean to me?
Insurance regulators have historically encountered international health plans primarily in the form of surplus lines products. These plans are technically not health insurance policies. Nevertheless, surplus lines plans have been the only renewable health option available to American expatriates up until now. More than 40 U.S. states have recently stepped up to approve the sale of a new health insurance plan geared to serve people with global health insurance needs. Benefits are available inside and outside of the United States with no limitation on time spent in any one location. The new generation of plans responds whether you spend the majority of the year in London or Los Angeles.
Why Choose GeoBlue Navigator?
The GeoBlue Navigator health plan meets the needs of international students
and faculty by offering comprehensive worldwide benefits—inside and outside
the U.S.—without the typical limits, eligibility conditions and benefit exclusions
common among traditional plans.
GeoBlue Navigator is the premier health plan for students and faculty because it
combines these benefits with concierge-level medical assistance and easy access
to the Blue Cross and Blue Shield provider network, the largest provider network
in the U.S., and an elite community of carefully selected providers outside the
U.S. GeoBlue Navigator gives students and faculty peace of mind, knowing they
have the freedom to access top medical care no matter where their studies or
assignments take them.
Admitted Health Insurance VS. Non-Admitted Surplus Coverage
Comparing surplus lines coverage to true health insurance is a little like comparing apples and oranges. They are built very differently with far-reaching consequences. Your personal health and financial security could hang in the balance.
Admitted health insurance advantages
- Critical ProtectionYou are protected under U.S. insurance laws and oversight. U.S insurance laws are strict and have long favored the health care consumer. This means that policy language must meet the plain English definition. Policy wording, plan definitions, exclusions, state mandates for coverage, claims process, claims turnaround times, formal appeals process all must meet regulatory muster.
- Ongoing Coverage RightsAn admitted plan can be kept for a length of time even after your employment ends or your overseas assignment ceases. U.S. insurance laws have stepped up to ensure portability and renewability of coverage. This is designed so that people do not suddenly find themselves out of a job, back home and uninsurable.
- Medical Provider NetworksLarger networks tend to be available in the United States with fewer billing issues for members. In addition, contracted doctors and hospitals are available in most locations. These providers are set up in many instances to bill the insurance company directly. Providers are profiled and contracted and members can review their biographical information.
- Better BenefitsAdmitted benefits tend to be broader and deeper with few waiting periods or low limits on medical conditions. The table below illustrates some of the major differences between an admitted health plan and a non admitted surplus plan.
Admitted Company VS. Non-Admitted Company …
Appointment Scheduling and Direct Pay
Paperless, Cashless, Convenient
Using the web, the telephone or a web-enabled cell phone, members can request appointments with doctors and hospitals who participate in GeoBlue’s International Community. When making appointments, GeoBlue arranges to pay the doctor or hospital directly. GeoBlue even waives the deductible if a member sees a participating physician. In the U.S., simply show your ID card at the time of service.
Please feel free to call anytime with questions.