Xplorer Select Insurance provides unlimited annual and lifetime medical maximum. The plan offers worldwide with no USA coverage thereby saving 50% of the expenses. The plan has no waiting period or sublimts for preventive services. This plan meets all Schengen visa requirements.
What is the eligibility to buy Xplorer Select Insurance? Xplorer Select Insurance Eligibility
Travelers aged 64 years and below at the time of application are eligible
US Citizens, US permanent residents and all legal residents of US (citizens and foreign nationals) are eligible.
An employee of a US company, whereby the company is domiciled in the state listed below and the company pays the premium
Travelers must be continuously enrolled in a U.S. primary health plan. The primary plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.
Xplorer Select plan highlights
Have the same great benefits—worldwide coverage, excluding U.S., with a 50% savings.
Choose your deductible and prescription benefits.
Select providers in or out of our elite network.
Unlimited annual and lifetime medical maximum.
No waiting periods or sublimits for preventive services.
No precertification penalty for inpatient or outpatient care.
Covers illnesses and injuries related to terrorism.
Preventative Care for Babies/Children: (Birth to Age 18) Office Visits/examination Immunizations, Lab work & X-rays100%
Preventative Care for Adults: (Age 19 and Older) Routine Pap Smears, annual mammogram PSA For Men Annual Physical Examination/Health Screening
Diagnostic lab work & X-rays100%
Primary Care Office VisitsAll except a $10 copay per visit
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.100%
In-Patient: Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant100%
In-patient medical emergency and drugs100%
Ambulatory and Therapeutic Services: Ambulatory Surgical Center100%
Ambulance Service100%
Accidental Dental$1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services100% up to $2,000
Durable Medical Equipment100%
Physical/Occupational Therapy,
deductible is waived$50 limit per visit, 12 visits per year
Rehabilitation and Therapy: Inpatient Mental Health100% up to 60 days
Outpatient Mental Health75% up to 40 visits / 60% thereafter
Inpatient Substance Abuse100% up to 60 days detox
Outpatient Substance Abuse75% up to 40 visits / 60% thereafter
Outpatient: Basic Prescription Drug Benefit 100% of actual charges up to $1,000
Optional Enhanced Prescription Drug Rider100% of actual charges up to $25,000
Global Travel: Emergency Medical TransportationUp to $250,000
US Eligible States
Following are the US Eligible States :
Alabama, Arizona, Arkansas, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, New Jersey, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Virginia, West Virginia, Wisconsin, Wyoming.
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