International Insurance for Students, Faculty, Marine Crew and Missionaries
Navigator is the primary GeoBlue student international health insurance plan. It offers high-quality coverage around the world for international students and faculty who are studying abroad for three months or more. The core plan meets Schengen visa requirements, and the plan includes options for students and faculty inbound to the US that meet F1 and J1 visa requirements.
GeoBlue Navigator is an annual plan specifically designed for students and faculty who will be outside of their home country for three months or more each year. If your journey away from your home country will last less than three months, we recommend the Voyager plan, which is GeoBlue travel insurance providing students and others exceptional short-term global coverage.
Navigator is the primary GeoBlue student international health insurance plan. It offers high-quality coverage around the world for international students and faculty who are studying abroad for three months or more. The core plan meets Schengen visa requirements, and the plan includes options for students and faculty inbound to the US that meet F1 and J1 visa requirements.
GeoBlue Navigator is an annual plan specifically designed for students and faculty who will be outside of their home country for three months or more each year. If your journey away from your home country will last less than three months, we recommend the Voyager plan, which is GeoBlue travel insurance providing students and others exceptional short-term global coverage.
International Student Health Insurance with Blue Cross Blue Shield Network Access
Students and faculty coming to the U.S. can access the Blue Cross Blue Shield PPO network, one of the leading health networks in the country, through GeoBlue Navigator. GeoBlue Navigator subscribers who will be studying outside of the United States can see any healthcare provider they want.
Interested in GeoBlue Navigator?
Apply and purchase online today!
GeoBlue Navigator Highlights
Navigator, the international GeoBlue student health insurance plan, offers exceptional coverage for students and faculty, wherever they are in the world. It offers flexible length of coverage as well as optional additional coverage for maternity, vision and dental, so you can purchase exactly the plan you need.
GeoBlue Navigator Benefits
The premiere GeoBlue student international health insurance plan, Navigator offers a robust array of benefits for students and faculty members. GeoBlue Navigator includes:
- unlimited annual and lifetime medical maximums
- comprehensive inpatient, outpatient and mental health services
- prescription coverage (including contraceptives)
- unlimited telemedicine services
- wellness benefits including health screening visits
- chiropractic, acupuncture and more.
Internationally, GeoBlue Navigator offers a stellar network of physicians, facilities and hospitals in over 190 countries that are ready to treat subscribers. In the USA, the network for this international student health insurance plan is Blue Cross Blue Shield, one of the most respected provider networks.
Review the brochure for a detailed explanation of the benefits.
| 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 |
| Primary and Preventative Care - Deductible is Waived | |||
|---|---|---|---|
| Primary Care Office Visits - as many as 8 visits per Calendar Year | All except a $10 copay per visit | All except a $30 copay per visit | 60% to Coinsurance Maximum then 100% |
| Preventive Care for Babies/Children: (Birth to Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Preventive Care For Adults: (Age 19 and Older) for Routine Pap Smears, Annual Mammogram, PSA For Men, and Immunizations as recommended by the CDC | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Travel Vaccinations | 100% Maximum Covered Expense of $500 per Calendar Year | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Annual Physical Examination Health Screening | 100% Maximum Covered Expense of $250 and limited to one per Calendar Year | 80% to Coinsurance Maximum then 100% Maximum Covered one per Calendar Year | 60% to Coinsurance Maximum then 100% Maximum Covered Expense of $250 and limited to Expense of $250 and limited to one per Calendar Year |
| 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, unless noted | |||
| Ambulatory Surgical Center | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Physical/Occupational Therapy/Medicine | Deductible is waived. Covered Expenses up to $50 per visit, and as many as 6 visits per Calendar Year. | ||
| Ambulance Service | 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 | |||
| Inpatient Mental Health | 100% up to 60 days | 80% up to 60 days | 60% up to 60 days |
| Outpatient Mental Health | 75% up to 40 visits/ 60% thereafter | 75% up to 40 visits/ 60% thereafter | 75% up to 40 visits/ 60% thereafter |
| Inpatient Substance Abuse | 100% up to 60 days detox | 80% up to 60 days detox | 60% up to 60 days detox |
| Outpatient Substance Abuse | 75% up to 40 visits/ 60% thereafter | 75% up to 40 visits/ 60% thereafter | 75% up to 40 visits/ 60% thereafter |
| Outpatient Prescription Drugs | 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply | 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply | 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply |
| Dental Care Required Due to an Injury | 100% of Covered Expenses up to $500 per Calendar Year maximum | 100% of Covered Expenses up to $500 per Calendar Year maximum | 100% of Covered Expenses up to $500 per Calendar Year maximum |
| Global Travel Benefits – Insurer Waives Deductible | |||
| Accidental Death and Dismemberment | Deductible is waived. Maximum Benefit: Principal Sum up to $10,000. | ||
| Repatriation of Mortal Remains | Deductible is waived. Maximum Benefit up to $25,000. | ||
| Emergency Medical Transportation | Deductible is waived. Maximum Lifetime Beneft for all Evacuations up to $250,000. | ||
Interested in GeoBlue Navigator?
Apply and purchase online today!
GeoBlue Navigator Optional Dental/Vision Upgrade:
Subscribers may also choose to upgrade their plans with dental and vision coverage to maintain their care while they are out of their home country. This additional benefit offers a maximum of $1,500 in dental care coverage per year and $250 in vision care coverage per year.
| Preventive Dental Services | 100% of Actual Cost |
| Primary Dental Services | 80% of Actual Cost |
| Major Dental Services | 50% of Actual Cost. Major Dental Services are not covered during the first 3 months the Covered Person is insured. |
| Orthodontic Dental Care Limited to Covered Person’s under age 19 | No Deductible. 50% of Actual Cost up to a Lifetime Maximum of $1,000 Orthodontic expenses are not covered during the first 3 months the Covered Person is insured. |
| Vision Care | Deductible not applicable. 70% of Covered Expenses per Calendar Year up to a maximum of $250 for Vision Care that is not the result of an Injury or Illness. |
How Much Does GeoBlue Navigator Cost?
The premium cost of GeoBlue Navigator depends on several factors, including the age of the subscriber, the deductible you select, and whether you choose to add the Dental & Vision Care Rider. Plans start as low as $230 per month. Many student subscribers in their teens and early twenties pay around $300 per month, while faculty may find their plans to be more expensive depending on their age.
Interested in GeoBlue Navigator?
Apply and purchase online today!
GeoBlue Navigator Eligibility
This plan is available to U.S. citizens and permanent residents studying in another country, or legal U.S. residents who have come to the United States to study. To be eligible, prospective subscribers must be involved in educational activity, such as study, research or certain types of occupational training. They must also be away from their home country for at least three months. There is a waiting period regarding pre-existing conditions that may be waived if the prospective subscriber can prove prior coverage.
GeoBlue defines an eligible dependent as a spouse, partner, the primary subscriber’s unmarried child under the age of 26 or the spouse or partner’s unmarried child under the age of 26.
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.
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 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.
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.
Interested in GeoBlue Navigator?
Apply and purchase online today!
