GeoBlue Health Insurance – Xplorer Health
For expatriates or international citizens, families or individuals, the Xplorer health insurance plan covers you inside and outside the U.S. with a premier network of hospitals and doctors, excellent service, and a flexible plan designed for internationals and expats living in the USA or US citizens living abroad.
The GeoBlue Xplorer health insurance plan is an excellent plan for US citizens, expats, or residents who travel to or from the United States for extended periods of business, leisure, and study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. This risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.
The Xplorer Plan, or GeoBlue Health Insurance, is one of the best international health plans because it combines comprehensive worldwide benefits with a new generation of medical assistance services, which include an impressive array of online and mobile tools used to identify, access and pay for quality healthcare all around the world.
GeoBlue Xplorer gives you the freedom to access care inside and outside the U.S. If you need benefits outside the U.S. only, explore the GeoBlue Xplorer Essential plan.
Xplorer – GeoBlue Health Insurance Highlights Include:
- GeoBlue does not require you to pay the deductible for standard services such as office visits (general practitioner and specialists), preventative care (routine physical, vaccines), and outpatient prescriptions.
- Unlimited medical maximum. The most comprehensive benefits in the industry.
- No waiting periods associated with most benefits or services including preventive care.
- If you had primary US health insurance during the six months before your plan start date, GeoBlue will waive the six-month pre-existing condition waiting period.
- Access to our elite doctors and notable hospitals can lead to better diagnosis, treatment, and medical outcomes.
- Access to the Blue Cross Blue Shield PPO network when you are inside the US, which is the most extensive network in the US and about 93% of all US doctors and hospitals participate (Premier plan only).
- You can cancel any month you choose with no cancellation fee
- No extreme sports exclusions
- GeoBlue Xplorer is underwritten by 4 Ever Life International which is rated A- (Excellent) by A.M. Best.
Reviews / Best For – Compare GeoBlue Xplorer Plan Options
The GeoBlue Xplorer plan has a few different options to meet the needs of a variety of people living abroad. First, eligibility is reserved for US citizens living abroad and internationals living in the USA. The plan is not available to residents of New York or Washington states.
Xplorer Premier – This plan is the most comprehensive plan with the maximum amount of coverage. For US citizens living abroad, the plan provides to most coverage in the USA compared to other providers – a total of 9 months of included benefits for US citizens each policy period. The Premier plan is great for individuals and families wanting the most coverage in the USA and worldwide with the minimum limitations.
The Xplorer Essential plan is the same plan as the Premier plan, it just excludes coverage in the USA. This option for the GeoBlue Health Insurance is best if you do not plan to return to the USA for any reason. It is also a good way to save money if you have an existing plan that will cover you in the USA. There are some variations to the Essential plan. If you are a US citizen and will maintain a US health insurance plan while you are living abroad, then you qualify for the Essential Select plan with a simplified underwriting process which asks fewer medical questions and could have a shorter decision turnaround time. With the Essential plan, if you would like some coverage in the USA, you can add on the Basic USA coverage rider: “Limited benefits are available for a covered person while temporarily visiting the United States. Temporary visits to the United States are limited to a combined maximum of 3 Trips per Calendar Year with a maximum trip length of 21 days for each Trip.”
Optional Essential Add On: Basic U.S. Benefts Inside the U.S. – available with the Xplorer Essential Plan only: Coverage provides limited to emergency medical care, illness and accidental injuries or prescriptions needs when you are temporarily visiting the United States and to a combined maximum of 3 trips of 21 days for each trip per calendar year.
GeoBlue Vision Insurance
GeoBlue Xplorer’s vision insurance benefit, which is optional, will covered related expenses for eye care. The deductible is not applicable while you are insured for up to 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.
GeoBlue Dental Benefits with Xplorer
The deductible is not applicable while you receive, otherwise select treatments are covered subject to a maximum covered expenses of $1,500 per calendar year.
GeoBlue Health Insurance and Blue Cross/Blue Shield, A Leader at Home and Abroad
GeoBlue is a recognized leader in international health insurance and medical assistance services, serving hundreds of thousands of world travelers annually. GeoBlue has partnered with the BCBS associations in multiple states to offer high-quality international health insurance plan to cover you anywhere in the world. GeoBlue is the administrator of coverage provided under expat insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association. For shorter coverage periods, consider the GeoBlue Travel Health Insurance plans.
Highest Standards of Service
GeoBlue meets the highest expectations of quality. For medical care outside the U.S., members are free to see any provider and their benefits will remain the same.
Note: International Citizens Insurance is an authorized agent of GeoBlue to sell their international health insurance plans.
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.