GeoBlue Xplorer Essential Insurance, GeoBlue Standard Expatriate Insurance
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.
GeoBlue Xplorer Essential insurance - features
- Lifetime maximum limit options: $10,000,000
- Deductible options: $0, $1,000, $2,000, $5,000, $10,000
- After 364 days of continuous coverage, GeoBlue Xplorer members may re-enroll in a plan that matches their existing benefits.
- Insurance Provider: GeoBlue
Eligibility for Xplorer Essential
- Travelers aged 74 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
GeoBlue Xplorer Essential 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.
- Meets all Schengen Visa requirements.
Free quotes to buy Geoblue Xplorer Essential travel insurance
Plan Benefits of GeoBlue Xplorer Essential insurance
| Benefit Maximums | Outside U.S. | U.S. (In Network) | U.S. (Outside Network) |
| Lifetime Maximum per Insured Person | Unlimited | Unlimited | Unlimited |
| Annual Maximum per Insured Person | Unlimited | Unlimited | Unlimited |
| Preventative and Primary Care | |||
| Preventative Care For Babies/Children: (Birth to Age 18) a. Office Visits/examination b. Immunizations, Lab work & X-rays |
100% | 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-rays |
100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Primary Care Office Visits | All except a $10 copay per visit | All except a $30 copay per visit | 60% 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 Hospital Services | |||
| Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| In-patient medical emergency | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| In-patient drugs | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulatory and Therapeutic Services | |||
| Ambulatory Surgical Center | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulance Service | 100% | 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 Services | 100% up to $2000 | 80% up to $2000 | 60% up to $2000 |
| Durable Medical Equipment | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Infusion Therapy | 100% | 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 Health | 100% up to 60 days | 80% up to 60 days | 60% up to 60 days |
| b. Outpatient Mental Health | 75% up to 40 visits / 60% thereafter | 75% up to 40 visits / 60% thereafter | 75% up to 40 visits / 60% thereafter |
| c. Inpatient Substance Abuse | 100% up to 60 days detox | 80% up to 60 days detox | 60% up to 60 days detox |
| d. Outpatient Substance Abuse | 75% up to 40 visits / 60% thereafter | 75% up to 40 visits / 60% thereafter | 75% up to 40 visits / 60% thereafter |
| Prescription Drug Benefit Options | |||
| Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Policy Period | 100% of actual charges | Generics: 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 Period | 100% of actual charges | Generics: 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 Benefits | |||
| Emergency Medical Transportation | Up to $250,000 | n/a | n/a |
| Repatriation Of Mortal Remains | Up to $25,000 | n/a | n/a |
| Accidental Death and Dismemberment | $50,000 | $50,000 | $50,000 |
Plan Details of Xplorer Essential
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
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
