Global Medical Coverage for Students & Faculty, Marine Crew, and Missionaries
The GeoBlue Navigator health plan provides international students and faculty, crew members, and missionaries with comprehensive worldwide benefits, inside and outside the U.S., without the usual limitations, eligibility conditions, and benefit exclusions in traditional plans.
Members receive comprehensive benefits alongside concierge-level medical assistance, which proves it is the premier health plan. GeoBlue ensures easy access to an elite network of carefully selected hospitals outside the U.S. and a network that includes 95% of all doctors and 96% of all hospitals within the U.S.
GeoBlue Navigator provides peace of mind, knowing you can access top medical care and benefits no matter your journey.
The GeoBlue Navigator health plan provides international students and faculty, crew members, and missionaries with comprehensive worldwide benefits, inside and outside the U.S., without the usual limitations, eligibility conditions, and benefit exclusions in traditional plans.
Members receive comprehensive benefits alongside concierge-level medical assistance, which proves it is the premier health plan. GeoBlue ensures easy access to an elite network of carefully selected hospitals outside the U.S. and a network that includes 95% of all doctors and 96% of all hospitals within the U.S.
GeoBlue Navigator provides peace of mind, knowing you can access top medical care and benefits no matter your journey.
GeoBlue Navigator Highlights
Secure Your Health Worldwide with GeoBlue Navigator
Click on your Navigator plan button below to get a free quote and apply online in minutes!
GeoBlue Navigator Plan Limits and Schedule of Benefits
GeoBlue Navigator offers three levels of coinsurance: 100% coverage outside the U.S., 80% in-network coverage within the U.S., and 60% out-of-network coverage within the U.S. Navigator for Student, Crew, and Missionary have an unlimited lifetime medical maximum and a $250,000 maximum benefit for emergency medical evacuation.
To calculate the out-of-pocket maximum, add your deductible and coinsurance maximum together.
| Plan | Deductible | Coinsurance Maximum | ||
|---|---|---|---|---|
| Outside U.S. | U.S. In-Network | U.S. Out-of-Network | ||
| 0 | $0 | $0 | $0 | $1000 |
| 250 | $125 | $250 | $500 | $2,000 |
| 500 | $500 | $500 | $500 | $3,000 |
| 1000 | $500 | $1,000 | $2,000 | $4,000 |
| 2500 | $1,250 | $2,500 | $5,000 | $8,000 |
| 5000 | $2,500 | $5,000 | $10,000 | $10,000 |
| Outside the U.S. | In-Network, U.S. | Out-of-Network, U.S. | |
|---|---|---|---|
| Primary and Preventive Care – Insurer Waives Deductible | |||
| Primary Care Office Visits 8 visits per calendar year | $10 copay per visit | $30 copay per visit | 60% to coinsurance maximum, then 100% |
| Preventive Care for Babies & Children (Birth through Age 18) | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Preventive Care for Adults (Age 19 and Older) | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Travel Vaccinations $500 maximum per calendar year | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Annual Physical Exam limited to one per year and a $250 maximum | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Urgent Care Facility | 100% | $75 copay per visit | 60% to coinsurance maximum, then 100% |
| Outpatient Services – Insurer pays after the Deductible is Met | |||
| Outpatient Medical Care | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Inpatient Hospital Services – Insurer pays after the Deductible is Met | |||
| Surgery, X-rays, In-Hospital Doctor Visits, Organ/Tissue Transplant | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Inpatient Medical Emergency | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Professional Services-Surgery, Anesthesia, Radiation Therapy, In-Hospital Doctor Visits, Diagnostic X-ray and Lab Work | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Other Services – Insurer pays after the Deductible is Met | |||
| Ambulatory Surgical Center | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Physical/Occupational Therapy/Medicine Limited to 6 visits per year | 100%, No Deductible | 100%, No Deductible | 100%, No Deductible |
| Ambulance Service | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Acupuncture and Chiropractic Services $2,000 maximum per year, if under the care of a licensed physician | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Durable Medical Equipment | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Mental, Emotional or Functional Nervous Disorders, Alcoholism or Drug Abuse – Insurer pays after the Deductible is Met | |||
| Inpatient Mental Health | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Outpatient Mental Health | 100%, No Deductible $10 Copayment | 100%, No Deductible $30 Copayment | 60% to coinsurance maximum, then 100% |
| Inpatient Substance Abuse | 100% | 80% to coinsurance maximum, then 100% | 60% to coinsurance maximum, then 100% |
| Outpatient Substance Abuse | 100%, No Deductible $10 Copayment | 100%, No Deductible $30 Copayment | 60% to coinsurance maximum, then 100% |
| Outpatient Prescription Drugs – Insurer waives Deductible | |||
| Prescription Drug Benefit $5,000 Maximum per Insured Person per year, Maximum 90-day supply | 100% of actual charges | 100% of actual charges | 100% of actual charges |
| Global Travel Benefits – Insurer Waives Deductible | |||
| Accidental Death and Dismemberment | Maximum Benefit: Principal Sum up to $10,000 | ||
| Repatriation of Mortal Remains | Maximum Benefit up to $25,000 | ||
| Emergency Medical Transportation | Maximum Lifetime Benefit for all Evacuations up to $250,000 | ||
Optional Dental and Vision Upgrade
GeoBlue's Dental and Vision benefits are crafted to cover your routine dental and vision care needs. These benefits also assist in budgeting for various dental services, including preventive, basic, and major treatments.
Diagnostic and Preventive Services include routine and emergency oral exams, cleanings, fluoride applications, X-rays, space maintainers, sealants, and oral pathology lab services. Basic Services cover extractions, oral surgery, dental drugs, fillings, periodontal treatments, repairs, anesthesia, and root canals. Major Services encompass inlays, crowns, dentures, bridgework, occlusal guards, and precision attachments. Orthodontic Services are for individuals under 19, with a lifetime maximum.
Vision Care covers one eye exam per year, prescription lenses, frames, and contact lenses when provided by a Physician, Optometrist, or Optician.
| $1,500 | |
|---|---|
| Diagnostic and Preventative Dental Services | 100% |
| Basic Dental Services | 80% |
| Major Dental Services | 50% |
| Orthodontic Dental Care (Under age 19 only) | 50% up to $1,000 Lifetime Max |
| $250 | |
|---|---|
| Vision Examination | 70% |
| Frames or Lenses | 70% |
Secure Your Health Worldwide with GeoBlue Navigator
Click on your Navigator plan button below to get a free quote and apply online in minutes!
How Much Does GeoBlue Navigator Cost?
The premium cost of GeoBlue Navigator depends on several factors, including your age, the deductible you select, and whether you choose to add the Dental & Vision Care Rider.
GeoBlue Navigator Eligibility
U.S. citizens and permanent residents residing abroad who are 74 years old or younger at the time of application are eligible to apply for coverage. Legal U.S. residents (both citizens and permanent residents) can also apply. The eligible member must plan to live outside their home country for at least three months each year.
To be eligible for Navigator for Student, you must be involved in Educational activity. For example,
- International Students living in the U.S.
- International Faculty and Research Scholars in the U.S.
- Optional Practical Training (OPT) Participants residing in the U.S.
- U.S. Students and Faculty planning on studying outside of the U.S., applying from either the U.S. or outside of the U.S.
GeoBlue requires members purchasing Navigator for Crew to be a professional crew member on assignment outside their home country for at least three months.
To be eligible for Navigator for Missionary, GeoBlue requires members to be involved in Missionary or NGO activity outside their home country for at least three months.
Secure Your Health Worldwide with GeoBlue Navigator
Click on your Navigator plan button below to get a free quote and apply online in minutes!
GeoBlue Navigator FAQs
Parents can arrange for the premium to be billed to a parental credit card or bank account. The student may also arrange for the premium to be billed to a student credit card or bank account.
No, your GeoBlue Navigator policy does not renew automatically. Members are notified at least 60 days before the policy expiration date. GeoBlue requires insureds to confirm their new policy rate in writing or accept it in the secure GeoBlue customer portal.
Plan rates are based on your age at the time of renewal and are impacted by medical inflation. You need not answer any further medical questions when renewing your policy.
If you have any questions regarding your upcoming renewal, please get in touch with renewals@geo-blue.com.
GeoBlue Navigator may only be renewed after graduation if the subscriber is enrolling in a program of study or research in the month following your graduation. Request a quote and our agents will find a plan for you that will ensure your continuity of coverage.
GeoBlue (the trade name of the international health insurance programs of Worldwide Insurance Services) is an independent licensee of the Blue Cross Blue Shield Association. The Blue Cross Blue Shield association is an association of 35 independently owned Blue Cross Blue Shield companies. GeoBlue’s plans are offered in cooperation with many local Blue Cross Blue Shield organizations.
GeoBlue products are only available to U.S. citizens, permanent residents and legal residents. If you are not a citizen or resident, please review our student insurance page to find the right plan for you.
GeoBlue Navigator is only available for people who will be studying abroad for three months or more. If you will be abroad for less than three months, we recommend the GeoBlue Voyager plan, which is designed for people traveling from 7 days to 6 months.
The plan does not exclude illnesses or injuries related to terrorism or a terrorist act. To receive this benefit in countries experiencing open hostilities, it is essential that the insured person is not participating in any hostile or combative activities. This provision allows members to have peace of mind, knowing they are protected even in regions with potential terrorist threats.
Yes, GeoBlue plans fulfill all Schengen Visa requirements. If you plan to travel to any Schengen area countries, you may need to provide proof that your insurance plan includes specific benefits, depending on your nationality.
GeoBlue can supply you with a Visa letter, which you can present to the consulate as proof that your policy meets all Schengen visa requirements. This letter includes all the necessary wording that the consulate needs to see.
