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Home > Global Insurance Companies > GeoBlue > GeoBlue Health Insurance > Xplorer Benefits

Xplorer Benefits

Xplorer Plan Benefits – GeoBlue Xplorer Coverage

Benefits, limitations, and exclusions overview:

Benefit MaximumsOutside the U.S.U.S. (In Network)U.S. (Outside Network)
Lifetime Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Annual Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Preventative and Primary CareInsurer Waives Deductible
Preventative Care For Babies/Children: (Birth to Age 18)
a. Office Visits/examination
b. Immunizations, Lab work & X-rays
100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Preventative Care for Adults: (Age 19 and Older)
a. Routine Pap Smears, annual mammogram
b. PSA For Men
c. Annual Physical Examination Health Screening
d. Diagnostic lab work & X-rays
100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Primary Care Office VisitsAll except a $10 copay per visit1All except a $30 copay per visit60% to Coinsurance Maximum then 100%
Professional ServicesInsurer Pays After Deductible is Met
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%
Inpatient Hospital ServicesInsurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient medical emergency6100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient drugs100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic ServicesInsurer Pays After Deductible is Met, Unless Noted.
Ambulatory Surgical Center100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulance Service100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Accidental Dental$1,000 per year, $200 per tooth$1,000 per year, $200 per tooth$1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services100% up to $200080% up to $200060% up to $2000
Durable Medical Equipment100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Infusion Therapy100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy,
the deductible is waived.
$30/visit, 12 visits per year$30/visit, 12 visits per year$30/visit, 12 visits per year
Rehabilitation and TherapyInsurer Pays After Deductible is Met
a. Inpatient Mental Health100% up to 60 days80% up to 60 days60% up to 60 days
b. Outpatient Mental Health75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter
c. Inpatient Substance Abuse100% up to 60 days detox80% up to 60 days detox60% up to 60 days detox
d. Outpatient Substance Abuse75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter
Prescription Drug Benefit OptionsInsurer Waives Deductible
Basic Prescription Drug Benefit100% of actual charges up to $1,000$0$0
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period100% of actual chargesGenerics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Global Travel BenefitsInsurer Waives Deductible
Medical EvacuationUp to $250,000n/an/a
Repatriation of RemainsUp to $25,000n/an/a
Accidental Death and Dismemberment$50,000$50,000$50,000
Plan Deductible Choices
1, 2, 3, 4, 5, 6
DeductibleCoinsurance Maximum
Outside U.S.U.S. In NetworkU.S. Out of Network
Elite$0$0$1,000$2,000
1,000$500$1,000$2,000$4,000
2,000$1,000$2,000$4,000$8,000
5,000$2,500$5,000$10,000$10,000
10,000$10,000$10,000$10,000$10,000

This is a summary benefit schedule and certain benefit levels may be higher based on your state of issuance. Visit state specific mandates for more information. Note, customers outside the United States are issued a Washington, DC policy.

  1. Copay waived when visiting a GeoBlue contracted provider is located outside the U.S.
  2. Deductibles are Per person per Calendar Year.
  3. The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 2.5 deductibles.
  4. Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example if you satisfy your Outside U.S deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
  5. An Insured Person only has to satisfy his/her Coinsurance Maximum once a year for all services received outside of the U.S. and in the U.S.
  6. Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty
Other BenefitsInsurer Pays after Deductible is Met
Home Health Care100% Covered Expenses, as many as 30 visits per year
Skilled Nursing Facilities100% with a maximum Covered Expense of $250 per day, as many as 50 days per year
Hospice100% with a maximum Covered Expense of $5,000 per lifetime

For complete Xplorer policy terms and conditions, including exclusions and limitations see

  • Xplorer Certificate and Plan Description
  • Compare GeoBlue Expat Coverage Options in the U.S.
  • Optional Basic U.S. Benefits – Available to Xplorer Essential Members

Ten Day Money Back Guarantee

YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate of Insurance and your ID Card to GeoBlue within 10 days of your policy effective date. If you have not already used your insurance benefits, you will receive a full refund.

Xplorer Global Medical: Generate a Free Quote / Apply Online

Geo Blue International Plans are 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 international health insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association. 

 

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Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent. International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries. This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.

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