Global Citizen Medical Insurance FAQ - Page 2

How are the deductible and coinsurance calculated for families?
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 500 plan pays a maximum deductible of $1,250, calculated by multiplying $500 (per person) by 2.5. The coinsurance maximum is $7,500, calculated by multiplying the coinsurance maximum of $3,000 (per person) by 2.5. The family's annual out-of-pocket expenses limit is $8,750 ($1,250 + $7,500).

How do I qualify for maternity benefits?
After 12 months of continuous coverage, Global Citizen members may apply for a new plan that covers maternity costs in the same way as all other medical conditions. Members must submit a simple Health Statement to supplement their original application, indicating that they are not pregnant at the time of upgrade.

Medical Benefits Underwritten by Unicare Life and Health Insurance Company
Montana, North Carolina, Vermont If you live in any other U.S state, please contact your agent directly or HTH at 1.888.243.2358.

Will my policy automatically renew? At what rate?
Global Citizen is renewable up to age 84. Policies are renewed at prevailing rates based on age and sex. Your personal health history will not prevent you from renewing and will not determine the renewal rate. Global Citizen plans do not automatically renew, and members are sent renewal notices 60 days prior to the termination date of their current policy. Only members who return these forms back to HTH Worldwide signed will be renewed.

When does my coverage end?
We may terminate your policy if:
  1. You no longer meet the eligibility requirements
  2. You fail to pay your premium
  3. You exhaust the Lifetime Maximum Benefit of the plan
  4. We discover that you committed fraud or misrepresented a material fact to HTH
  5. We terminate the plan in your state or geographic service area
 
Will my pre-existing condition be covered under a Global Citizen plan?
If you were previously covered by a group or annually renewable individual U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet HTH's medical underwriting criteria. HTH will also consider private health insurance issued in other countries as creditable coverage. HTH 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 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.

How do I access participating medical providers outside the U.S. and avoid claim forms?
HTH's Global Health and Safety services help members identify, access, and pay for quality healthcare all over the world. This includes a contracted community of elite providers in 180 countries. Members can access these carefully selected providers and arrange for the bills to be sent directly to HTH Worldwide for payment as follows: go to www.hthtravelinsurance.com and click on "Member Login" then click on "Register Here". After registering, you are able to create a Well Prepared profile and use the related web tool to request an appointment with the participating provider. HTH will automatically arrange for direct settlement of the bill for this visit. Please note, direct billing may not be available everywhere.

Direct billing can also be requested by calling the assistance telephone number listed on your member ID card, or by emailing globalhealth@hthworldwide.com. Please note that in the U.S. a member can simply show their ID card at time of service and participating providers will only bill the member for any required deductible or co-payment.

A claims instruction page is available online and can be accessed by visiting www.hthtravelinsurance.com and selecting "Contact Us" from the top right navigation bar. Claim forms are downloadable from this section of the site as well.

I am based in the U.S. Can you help me find participating doctors in my hometown?
Inside the U.S., HTH has a network of over 700,000 providers available to its members. You can find a doctor in the network by searching Aetna (search Aetna Standard Plans or Open Choice PPO) network. Always speak directly with the provider you have chosen to confirm that they are currently participating with the Aetna Open Choice PPO network.
 
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AmericanVisitorInsurance and/or its associates have tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their plans/policies. AmericanVisitorInsurance is not liable for any problem resulting from the content on this FAQ. If you do not agree with the terms of this disclaimer, please do not use any information in this FAQ.

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