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| Best for expats, families, or individuals living abroad for one or more years. | Great for U.S. citizens living abroad or internationals residing in the U.S. | Comprehensive benefits for internationals looking for private medical insurance. | A good option for all international citizens and budget-conscious individuals. |
| Silver, Gold, and Platinum with add-on modules | Worldwide Premier, Outside U.S. | Bronze, SilverLite, Silver, and Gold with add-on modules | Bronze, Silver, Gold, and Platinum with add-on modules |
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| $1,000,000, $2,000,000, or Unlimited | | | |
| | | $0 - $1,600 per claim or
$240 - $10,000 per annum | |
| All nationalities, all ages | U.S. citizens and foreign nationals in the U.S., up to age 74 | All nationalities up to age 76 | All nationalities up to age 74 |
| Worldwide or Worldwide excluding the U.S. | Worldwide or Worldwide excluding the U.S. | Worldwide coverage is separated into 3 Zones; USA Coverage is limited to 90 days | Worldwide, Europe Only, or Worldwide excluding select territories |
| Up to 6 months per 12-month policy period | U.S. citizens up to 9 months per 12-month period; All other citizenships 12 months per 12-month policy period | Limited 90 days for U.S. citizens | U.S. citizens up to 6 months; all other citizenships 12 months per 12-month policy period |
Pre-Existing Condition Coverage | Pending results of underwriting. No waiting period if approved without exclusion(s). | Pending results of underwriting. 6-month waiting period (waived if there is prior creditable health coverage). | Pending results of underwriting and/or moratorium underwriting. | Pending results of underwriting. No waiting period for Platinum; 24-months for other plans (excluding Bronze). |
Doctor and Hospital Network | Inside the U.S.: Cigna Network Outside the U.S.: Direct billing options available, no out-of-network penalty | Inside the U.S.: Blue Cross Blue Shield Network Outside the U.S.: Direct billing options available, no out-of-network penalty | William Russell provides members access to a global network of leading hospitals and doctors | Inside the U.S.: FirstHealth or UnitedHealthcare Network Outside the U.S.: Expansive network |
Hospitalization and Emergency Room | Semi-private or private room | | Private room for Gold & Silver Plans, Semi-private for SilverLite & Bronze Plans | Semi-private or private room |
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| Included; subject to deductible if elected, no waiting periods | Included; deductible waived, no waiting periods | Bronze Plan & SilverLite Plan - Limited; Silver & Gold Plans - Included | Included; subject to deductible, no waiting periods |
| Outpatient: $500, $2,000, or Paid in Full | Outpatient: $1,000
Upgrade available up to $25,000 | Bronze Plan & SilverLite Plan - Limited; Silver & Gold Plans - Included | Outpatient: Coverage varies by plan level |
| Included with health and wellness module | | | Included in Silver plan and above after 6-12 month waiting period; Child wellness only on Silver |
| 100% paid for Platinum, $10,000 for Gold, $5,000 for Silver | | 12-month waiting period; excluding SilverLite | Silver plan and above included after 12 month waiting period |
| | | | Included with limitations by plan |
| | | | Included with limitations by plan |
| 12 month wait for Gold and Platinum plans (up to $7,000 for Gold and up to $14,000 for Platinum) | Immediate with Select plan, 364 day wait for maternity upgrade, covered in full after | 12 month waiting period; Benefits dependent on plan | Included in Platinum plan after 10 month waiting period ($2500 additional deductible and $50,000 maximum lifetime benefits) |
| Included at 100% for the Platinum plan with Vision and Dental module, limits on other plans | Add-on available for select plan options | Preventative Care; 6-month waiting period; Silver & Gold Plans | Included in the Platinum plan; Optional on other plans |
| Accidental included; Comprehensive dental plans available, ranging from $1,250- $5,500 in preventive, basic and major services annually | Accidental included, $1,000 per year, $200 per tooth, Dental add-on available for select plan options | Emergency Dental Included; Optional Dental Basic and Dental Plus | Included in the Platinum plan; Emergency included on all other plans, non-emergency optional on all other plans
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