Difference between the Premier and Essential plans:
The Xplorer brochure shows the benefit schedule of both the plans on each side, the major difference being, the Essential plan
covers outside US only and the Premier plan
provides the US In network and Out of network benefits.
The eligibility conditions of the Explorer plan is very attractive to the international travelers who want to travel abroad and need a long term insurance. The Geo blue Explorer plan is designed for a long term or extended living abroad. No questions will be asked to the customer about their medical history and the premium rates do not change based on their prior claims history. The new rate for the individual will be the same as all persons covered in that rating class.
- American expatriate
- High net-worth global lifestyle
- International business assignee
- Foreign worker in the U.S.
- Employers, church and missionary organizations
- Embassies, expatriate websites, chambers of commerce
- Exchange programs, associations, international property managers
- Financial consultants
- Unlimited lifetime max on medical
- 100% coverage abroad
- Xplorer Premier plan includes U.S. coverage
- Xplorer Essential and Xplorer Select do not include U.S. coverage.
- Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit.
The Explorer plans are available for both the individuals and their dependents.
For maternity benefits
, Xplorer members may apply after 364 days of continuous coverage, for a new plan that covers maternity same as all the other medical conditions.
Pre existing conditions:
If the individual has been previously covered by a US Health plan that will issue a Certificate of creditable coverage then Geo blue credits the individual for this prior coverage. The number of months of coverage shown on the Certificate will reduce the six month pre existing condition waiting period. If the creditable coverage is six or more months then the waiting period will be eliminated. If it is less than six months, then the waiting period will be reduced by the number of months the creditable coverage is available.
The Geoblue Explorer Premier plan provides a range of deductible options starting with $500 up to $2500 for outside the US, $1000 up to $5000 for inside US Network providers, $1000 to $10,000 for outside the US network.
The Geoblue Explorer Essential provides a range starting with $1000 up to $5000 for only outside the US option.
Direct Pay provision:
Geoblue members can avoid paying out of pocket using this direct pay provision. Participating providers outside the US bill the Geoblue directly through this service for the covered claim expenses and treatment.
Geoblue Xplorer Premier
and Xplorer Essential Insurance
plans offer comprehensive benefits and a range of deductibles that allow members to select the right amount of coverage for their benefits and needs. The out of pocket expense is calculated by adding the deductible and the co insurance maximum. For families, the deductible and co insurance is a multiple of 2.5. After 364 days of continuous coverage, the members may re enroll in the plan that matches their existing benefits.
GeoBlue Xplorer Premier Insurance
GeoBlue Xplorer Essential Insurance