Whether you are an expatriate, an international citizen, or a migrating family, the Xplorer Health Plan from GeoBlue Health Insurance provides you with coverage inside and outside the U.S. Their policies give access to a premier network of doctors and hospitals. Expect to experience excellent client service and a flexible design to suit your needs.
The Xplorer Plan from GeoBlue Health Insurance is one of the best international health plans available today. It combines comprehensive worldwide benefits with a new generation of medical assistance services. These services include an impressive array of online and mobile tools that allow subscribers to identify, access, and pay for quality healthcare worldwide.
GeoBlue Xplorer gives you the liberty to access quality healthcare services inside and outside the U.S. If you need benefits outside the U.S. only, we highly recommend exploring the GeoBlue Xplorer Essential plan.
Xplorer Insurance Highlights
No Waiting Periods
GeoBlue has no waiting periods associated with any preventive services, such as doctor office visits and routine physicals.
Blue Cross Blue Shield PPO Network
Blue Cross Blue Shield is the most extensive insurance network in the US. This benefit is only accessible through the Premier Plan.
No Deductible For Some Services
GeoBlue does not require you to pay a deductible for standard services such as office visits, preventative care, and outpatient prescriptions.
Pre-Existing Conditions
If you had primary U.S. health insurance during the six months before the start date of your plan, GeoBlue will waive the six-month pre-existing condition waiting period.
Unlimited Medical Maximum
GeoBlue provides an unlimited annual and lifetime maximum to its policyholders.
Plan Cancellation
You can cancel the policy any month you choose with no cancellation fee.
Comparison of GeoBlue Xplorer Plan Options
Xplorer Essential
Xplorer Essential is a GeoBlue health insurance plan that has the same benefits as the Xplorer Premium plan, except that it does not include USA coverage.
This is a great option if you do not plan to return to the USA. This plan will also save you money as compared to plans that include the United States.
Optional Essential Add On – Basic U.S. Benefits Inside the U.S.
This add-on is available only with the Xplorer Essential Plan. It provides coverage limited to emergency medical care, illness, prescription needs, and accidental injuries while you are temporarily visiting the United States. It is valid only up to a combined maximum of 3 trips of 21 days per trip per calendar year.
Xplorer Select
If you are a U.S. citizen that is continuing your U.S. health insurance plan while you are living overseas, then you may qualify for the GeoBlue Xplorer Select plan, which covers you outside the USA. It has a simplified underwriting process that asks fewer medical questions. It also has a shorter decision turnaround time compared to the competition. The benefits are very similar to XPlorer Essential.
Xplorer Premier
This GeoBlue Insurance plan has the most comprehensive policy with the maximum amount of coverage.
It is the ideal insurance plan for US citizens living abroad, as the plan provides the most coverage in the USA of any global insurance provider. It includes a total of 9 months of benefits for US citizens for each policy period.
The Premier plan is highly recommended for individuals and families who want to get the most coverage in the USA and worldwide with minimum limitations. The Xplorer plan is also the ideal premium insurance for foreigners living in the USA because the benefits, coverage, and service levels the policy provides are the best in the industry.
How Much Does GeoBlue Xplorer Health Insurance Cost?
The Xplorer Essential and Premier plan rates are based on deductible, age, coverage area, and additional benefits. GeoBlue offers three coverage options: No U.S. Benefits, Basic U.S. Benefits, and Comprehensive/Full U.S. Benefits. Adding U.S. coverage to a plan will increase the price. Therefore do not purchase U.S. coverage if you do not plan on traveling to or living in the U.S.
Deductible options (see benefits table above) are based on medical coverage Outside the U.S., U.S. In-Network, and U.S. Out-of-Network. The Xplorer Essential and Premier plan deductibles range from $0-$5,000. The Xplorer Premier plan also has the option to add co-insurance.
Who is Eligible?
The GeoBlue Xplorer Essential and Premier plans are designed for U.S. citizens moving abroad and non-U.S. residents moving to the United States. Policyholders must be 74 years or younger at the time of application. An employee of a U.S. company is also eligible if the company is domiciled in a U.S. state and the company pays the insurance premium.
Policyholders must live outside of their home country for three months or longer. GeoBlue Xplorer plans are extendable as long as eligibility requirements are continuously met.
Geographic restrictions:
- U.S. State Restrictions – GeoBlue Xplorer products are not available to those residing in New York, Maryland, Washington, and South Dakota.
- Country Restrictions – 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.
