Global Navigator Health Insurance FA

I am trying to find a doctor in the U.S. in your network, but there is no one listed within 25 miles of where I am searching. What should I do?
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.
I purchased an annual plan, but would like to cancel my insurance prior to its expiration. Will I have to pay any cancellation fees?
Any cancellation requests must be received by HTH in writing via email, fax or regular mail. There are no cancellation fees or penalties. However, HTH does not refund premium for a partial month. Retroactive cancellations are also not permitted.
Are acts of terrorism covered under this plan?
Yes. The Global Navigator 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.
How are medical evacuation decisions made?
The evacuation benefit pays for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.
Is birth control covered?
Use of birth control is not automatically excluded on the policy. HTH reviews the medical condition for which birth control is being used. If it is being used solely as a contraceptive, it is excluded. If it is being used to treat an approved condition, it will be covered. In this instance, the member will have to pay for the prescription up front and submit a claim to HTH, along with a letter from the prescribing doctor indicating the medical necessity of the contraceptive.
Can I add my partner to my Global Navigator policy? Will my partner have to be medically underwritten?
Yes, you can add a spouse or dependent to your policy. A dependent must prove evidence of insurability by submitting an underwriting application. They may be accepted, accepted with a rate up, or declined for coverage based on their medical history. Adding a partner or dependent should follow a life event, such a marriage or birth. Newborns are automatically covered and a health questionnaire does not need to be completed. However, a dependent form must be submitted within 31 days of birth.
How can I add an adopted child to my Global Navigator policy?
An adopted child must be medically underwritten in order to be added to a policy.
 
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