Xplorer Health Insurance Plan

The GeoBlue Xplorer plan will cover you if you are sick or injured and need medical care worldwide. It is a comprehensive medical plan for U.S. citizens living abroad and internationals residing in the USA. Receive a free quote for GeoBlue Xplorer now.

Medical benefits Include:

• Inpatient and Outpatient Care
• Medical Evacuation and Repatriation
• Optional Dental and Vision Care
• Optional Maternity Benefits
• Accidental Death and Dismemberment

Coverage is worldwide and includes every country you may be in at the time you are sick or injured. If you are a U.S. citizen living abroad, you are covered for care in all countries, including the USA for a limited period of time. If you are a foreigner residing in the USA, you will also be covered worldwide.

However, the GeoBlue Xplorer plan is not available to people who will be residing in (rather than visiting) certain countries. GeoBlue Xplorer products are not available to those residing in Afghanistan, Burkina Faso, Central African Republic, DRC, Chad, Cuba, Haiti, Iran, Iraq, Ivory Coast, Libya, Mali, Niger, North Korea, Pakistan, Palestine, Somalia, South Sudan, Sudan, Venezuela, and Yemen.

No, GeoBlue Xplorer is not a guaranteed issue plan. Each application is medically underwritten.

Your application may be:

1. Accepted
2. Accepted with a rate increase due to your health status, or
3. Denied.

The underwriting time frame depends on the medical history listed on the application. Turnaround can be as quick as one day or as long as one month. Our commitment is to respond to a submission in writing within 3-5 business days. This may mean that we send a request for additional information to the applicant, such as a specific medical questionnaire, or notify the applicant that they erroneously missed a question on the application form. Occasionally we have to obtain medical records from hospitals or providers. Our turnaround time in these situations will depend on how quickly the provider responds to our request.If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.

Deductibles reflected in the Global Citizen plan grid are per person deductibles. For a family, the maximum deductible and coinsurance are increased by a factor of 2.5., regardless of the size of the family. For example, a family covered under the 1000 plan pays a maximum deductible of $2,500, calculated by multiplying $1000 (per person) by 2.5. The coinsurance maximum is $10,000, calculated by multiplying the coinsurance maximum of $4,000 (per person) by 2.5. The family’s annual out-of-pocket expenses limit is $12,500 ($2,500 + $10,000).

The policy does not automatically renew. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to GeoBlue's secure website. Plan rates are based on age at the time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all re-enrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.

National or Public Health Insurance can be very different from what most Americans are used to and can be of limited service for mobile citizens. Many public plans offer less in terms of medical services than what is covered under a private plan. In particular, public plans generally only cover you in your host country or region. For an expatriate that travels for business or returns home throughout the year, benefits stop at the border. When covered under a national plan you may not have access to leading private facilities or specialists. You may experience different treatment protocols or long waiting periods for elective surgeries. It is unlikely you will be covered for medical evacuation benefits under a public health plan. With GeoBlue you are covered all around the world with comprehensive coverage and access to the best treatment options. If you are a U.S. citizen and select a GeoBlue plan that includes U.S. coverage, you are free to return home for treatment and to convalesce. You can also keep the coverage for up to 9 months upon repatriation, guaranteeing future insurability. Purchasing plans like GeoBlue’s Expat policies offer better benefits, unrivaled networks, and a high degree of consumer protection.

If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the six-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months of creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.

The optional pharmacy benefit provides coverage inside the U.S. and a higher benefit limit outside the U.S. GeoBlue offers members the convenience of a direct billing service inside the U.S. so that the member is only responsible for co-payment at participating pharmacies. Most major pharmacies participate in this program administered by Universal RX. Outside the U.S., members pay the pharmacy directly and then submit a claim to GeoBlue for reimbursement. The optional pharmacy benefit is not subject to the deductible or to the co-insurance on the plan. Within the United States, members pay $10 for generic drugs and $25 for brand-name medications. Members are also eligible to use GeoBlue's mail-order pharmacy service.

The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility, or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

After 364 days of continuous coverage, GeoBlue Xplorer members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions. Members do not need to submit a new health statement.

This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA). It is filed as a limited duration policy designed specifically for international living.

There is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year.