Underwriter
A- A. M. Best Rating
29.5
BrokerFish Rating
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GeoBlue International Health Insurance

BrokerFish is an appointed representative of GeoBlue, a Blue branded expat plan offered in cooperation with local Blue Cross and Blue Shield companies, which collectively covers over 100 Million people. GeoBlue Xplorer is designed to support international lifestyles for extended periods, providing competitive insurance protection and technology powered assistance to expatriates globally, including an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world.

GeoBlue Xplorer is U.S. admitted. Coverage with each GeoBlue policy is U.S. licensed and offers the most complete set of benefits and services in the industry, creating a complete, reliable and convenient way to keep international expats healthy and productive.

Key Facts
  • Founded: 1997
  • HQ: USA
  • Support:
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 74
  • Policy Holder: Expatriate
Highlights
  • Potentially attractive for US Citizens
  • Full Medical Underwriting
  • Apply online enabled
  • 10 day money back guarantee
  • Online renewal
  • Switch from current policy enabled
  • Possible cover for pre-existing conditions
GeoBlue Xplorer Plan Options

Xplorer is designed to tightly meet your needs by offering you with extra cover if required. Options come in the form of added prescription drug benefits, dental and optical benefits.

USA Cover
Dental & Vision
Prescription Drugs

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GeoBlue Xplorer Member Services

Access a wide range of top quality member services from GeoBlue.

As a GeoBlue you'll get access to a wide-range of services to support you throughout the policy. These include InformedChoice℠ - a second opinion and referral facility and Personalized Recruitment- a service to contract with physicians when one cannot be located with their International Provider Community. GeoBlue also provide an impressive array of online and mobile services to do things like check medical symptoms, understand health risks and promote good health through prevention / wellness. Personal Safety Intelligence is also at hand promoting personal safety via email and mobile with news, city profiles, health, safety and translation tools.

GeoBlue Xplorer Sub Products

GeoBlue'sXplorer™ health policy is designed primarily for US citizens living inside and outside of the United States for the long term. They advertise two sub-policies called Premier and Essential which differ only by the region in the world in which they provide cover - Worldwide excluding the USA (Premier) or Worldwide including the USA (Essential). This approach is untypical within the international health insurance market so bear this in mind if you've failed to spot any differences in benefits levels which is usually normal to expect.

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You can select a cover area that best reflects your geographic area of need.

GeoBlue provide cover in almost every country of the world including the United States if you select the Premier sub-product. Many other providers do offer cover in the USA for temporary trips only but GeoBlue supports the rare ability for you to be covered in the USA even if you you're a permanent resident.

Please be aware that there are some countries, especially the more war-torn, which are excluded. These exclusions may or may not be an issue for you.

GeoBlue Table of Benefits
  • Impotant Information about the Affordable CAre Act
    • At this time, there are no individual expatriate plans sold to Americans that meet the definition of Minimum Essential Coverage (MEC) and thus meet the individual mandate. Why is this important to you? Because the plan you are applying for IS NOT QUALIFYING HEALTH COVERAGE ("MINIMUM ESSENTIAL COVERAGE") THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON'T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES. This plan is filed as a limited duration policy designed specifically for international living. Coverage by the insurer can be: 1.accepted 2.accepted with a rate increase, or 3.denied based on the health history of the applicants(s).
    • U.S. citizens working and living abroad who are outside the states for 330 days or more in a 12-month period are not required to maintain MEC. In this instance, you are deemed to have met the individual mandate. Additionally there is no tax penalty applicable to J1, F1, M1 visa holders and other populations that meet one of the exemption categories related to the ACA individual mandate.
    • You and your family must either have a (MEC) health plan throughout the year, qualify for an exemption from coverage, or make a payment when you file your federal income tax return.
  • What is the tax penalty for a non MEC plan?
    • 2015: The higher of $325 per person (up to 3 people, or $975) OR 2.0% of taxable income up to the penalty cap.
    • 2016: The higher of $695 per person (up to 3 people, or $2,085) OR 2.5% of taxable income up to the penalty cap.
    • After 2016: The same as 2016, but adjusted annually for cost-of-living increases.
  • In each year, the penalty is capped based on the national average premium for bronze level insurance plans for single individuals and the number of people in the insurance unit. Specifically, the cap equals that average premium times the number of people up to a maximum of five. The average bronze plan premiums for an individual for 2015 and the projected premium for 2016 are:
    • 2015: $2,484 annual/ $207 a month per individual
    • 2016: $2,676 annual/ $223 a month per individual

Eligiblity for Premier

You must meet only one of the requirements below:
  • All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;
  • All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they apply from an eligible state or;
  • An employee of a U.S. company, whereby the company is domiciled in an eligible state and the company pays the insurance premium.
  • Products vary based on state. To verify state availability, review the state listing table.
  • If you live in any other U.S state, please contact your agent directly or GeoBlue.
  • The Eligible Member must be scheduled to reside outside of his/her home country for at least 3 months per year.
  • Eligible Dependent - An Eligible Dependent means a person who is the Eligible Participant’s:
    • Spouse, partner;
    • own or spouse’s/partner’s unmarried natural child, stepchild or legally adopted child who has not yet reached age 26.
    • A person may not be an Insured Dependent for more than one Insured Participant.

Eligibility for Essential

You must meet only one of the requirements below:
  • All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage or;
  • All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they apply from an eligible state or;
  • An employee of a U.S. company, whereby the company is domiciled in an eligible state and the company pays the insurance premium.

Eligibility for Select

You must meet only one of the requirements below:
  • All U.S. citizens and U.S. permanent residents living abroad who are 64 or younger at the time of application are eligible to apply for coverage or;
  • All legal residents of the U.S.(citizens and foreign nationals) who are age 64 or younger at the time of application are eligible if they apply from an eligible state or;
  • An employee of a U.S. company, whereby the company is domiciled in an eligible state and the company pays the insurance premium.
  • You must be continuously enrolled in a U.S. primary health plan. Note: Most individual health insurance policies explicitly require that you meet the ongoing eligibility criteria for the policy. Eligibility sometimes hinges upon being a resident or living in the plan service area. Definitions can vary but if you no longer reside, live or work in the service area your coverage may terminate after 60 days or based on the last billing cycle in which your eligibility changed. It is recommended that you thoroughly review your primary plans certificate of insurance to fully understand the type of coverage offered when you are out of your service area.
  • Products vary based on state. To verify state availability, review the state listing table.
  • If you live in any other U.S state, please contact your agent directly or GeoBlue.
  • Eligible Dependent - An Elegible Dependent means a person who is the Eligible's Participant's:
    • Spouse, partner;
    • own or spouse’s/partner’s unmarried natural child, stepchild or legally adopted child who has not yet reached age 26. A person may not be an Insured Dependent for more than one Insured Participant.
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Kudos to you guys for taking steps to make insurance a more bearable user experience :]

PHILIP, Start-up Co-founder, CHINARating