Global Citizen worldwide Insurance FAQ - Page 3

In the U.S., if a member does not have a participating physician in an appropriate specialty available to them within 25 miles, HTH will apply in-network benefits (80%) to the provider they see.
Outside the U.S., 100% coverage always applies after any applicable deductible or co-payment.

In order to be eligible for the Global Citizen plan, you must be a citizen or a resident of the United States. If you are in the U.S., you must reside in an approved state. As a Canadian, once you arrive in the U.S. you can apply for coverage if you reside in an approved state (see above for a list of approved states). To ensure that you meet our medical underwriting standards prior to arrival in the U.S., you may wish to complete an HTH pre-screening form.

It is very difficult to predict state approvals. We are working with state insurance regulators to accelerate the process if possible.
If you are going abroad, you may wish to complete a pre-screening form prior to leaving. You can then apply for coverage using an abbreviated application when you are no longer a resident of New York.

Yes. The Global Citizen plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.

The optional pharmacy benefit provides coverage inside the U.S. and a higher benefit limit outside the U.S.

HTH offers members the convenience of a direct billing service inside the U.S. so that the member is only responsible for co-payment at participating pharmacies. Most major pharmacies participate in this program. Outside the U.S., members pay the pharmacy directly and then submit a claim to HTH for reimbursement. The optional pharmacy benefit is not subject to the deductible or to the co-insurance on the plan.

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.