Xplorer Essential Insurance provides unlimited annual and lifetime medical maximum. The plan offers worldwide coverage excluding US thereby saving 50% of the expenses. It covers pre-existing conditions with creditable coverage. The plan has no waiting period or sublimts for preventive services. After 364 days of continuous coverage, GeoBlue Xplorer members may re-enroll in a plan that matches their existing benefits. 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.
Lifetime Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Annual Maximum per Insured PersonUnlimitedUnlimitedUnlimited
Preventative and Primary Care Preventative Care For Babies/Children: (Birth to Age 18) a. Office Visits/examination
b. Immunizations, Lab work & X-rays100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Preventative Care for Adults: (Age 19 and Older) a. Routine Pap Smears, annual mammogram b. PSA For Men c. Annual Physical Examination Health Screening d. Diagnostic lab work & X-rays100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Primary Care Office VisitsAll except a $10 copay per visitAll except a $30 copay per visit60% to Coinsurance Maximum then 100%
Professional Services Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Inpatient Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient medical emergency100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
In-patient drugs100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services Ambulatory Surgical Center100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Ambulance Service100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Accidental Dental$1,000 per year, $200 per tooth$1,000 per year, $200 per tooth$1,000 per year, $200 per tooth
Acupuncture and Chiropractic Services100% up to $200080% up to $200060% up to $2000
Durable Medical Equipment100% 80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Infusion Therapy100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy,
deductible is waived.$50 limit per visit, 12 visits per year$50 limit per visit, 12 visits per year$50 limit per visit, 12 visits per year
Rehabilitation and Therapy a. Inpatient Mental Health100% up to 60 days80% up to 60 days60% up to 60 days
b. Outpatient Mental Health75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter
c. Inpatient Substance Abuse100% up to 60 days detox80% up to 60 days detox60% up to 60 days detox
d. Outpatient Substance Abuse75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter75% up to 40 visits / 60% thereafter
Prescription Drug Benefit Options Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Policy Period100% of actual chargesGenerics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%
Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period100% of actual chargesGenerics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%Generics: 100% after $10 copay Brandname: 100% after $25 copay Injectables: 70%
Global Travel Benefit Emergency Medical TransportationUp to $250,000n/an/a
Repatriation of RemainsUp to $25,000n/an/a
Accidental Death & Dismemberment$50,000$50,000$50,000
GeoBlue Xplorer Essential Insurance - Common Questions
Customer applies online or via a paper application. Applicant is tracked to you when the customer uses your unique web link or brochure.
Plan is medically underwritten and coverage may be: 1) Issued with standard rates or 2) Rated up or 3) Declined for coverage based on health history. Welcome materials are sent electronically and via mail.
Members are invited to register on the website, mobile site or app.
Coverage can be renewed at the consent of the member and the insurer.
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
GeoBlue Xplorer Essential plan highlights
