International Health Insurance > HTH Worldwide

Xplorer Essential Health Plan

Why should you buy GeoBlue's Xplorer Essential Plan?

Here are some reasons you should consider the Xplorer Essential health plan:

Reason 1: Medical Expense Coverage

During your international experience, you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. In addition, you may wish to return home for either routine care or the treatment of an unexpected illness.

The Medical Benefits provided under the Xplorer Essential plan can help protect you against these unforeseeable circumstances.

Reason 2: Medical Evacuation and Other Coverages

In addition to Medical Benefits, the Xplorer Essential plan provides other valuable benefits, including:

• Medical Evacuation Coverage, to transport you to higher quality medical care in the event of serious illness. Medical evacuations can cost $25,000 or more.
  
  
• Accidental Death & Dismemberment Coverage.
  
  
• Optional Pharmacy Coverage, which includes coverage for prescription medications outside the U.S.
  
  

Reason 3: Ready Access to Quality Care

In addition to health protection, you'll receive access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries. Detailed provider profiles, including medical training, are available online. You can even ask HTH to locate a provider in a particular location or specialty, to better meet your personal needs. Xplorer Essential customers who require hospital care overseas can receive full profiled international treatment options and, in the event of an unforeseen emergency, round-the-clock support, including assistance with evacuation. In most cases, HTH can pay providers directly (not available everywhere), saving you from using personal funds upfront.

Reason 4: HTH's Global Health and Safety Resources.

In addition to high quality insurance coverage and medical care, expatriates and international travelers need knowledge and information. When you enroll in the Xplorer Essential plan, you gain access to HTH's powerful Global Health and Safety Resources. These online assistance tools, backed up by 24 hour a day customer service, provide daily health and security alerts by emails, and detailed description of health facilities and security information, by destination. In addition, translation databases are available for brand name drugs and medical terms and phrases.

Reason 5: Xplorer Essential Offers the Strength of a U.S. Insurer

Xplorer Essential is underwritten by

• BCS Life Insurance Company

BCS Insurance Company, Oakbrook Terrace, Illinois NAIC #38245 under policy form series 54.403.

The coverage requested may not be available in all states. Products and services described herein provided by BCS Insurance Company do not provide Blue products or services. BCS Insurance Company is solely responsible for the products and services indicated herein.

Reason 6: Xplorer Essential Offers Advantages over Competing Plans

The Xplorer Essential health plan has met the standards of state regulators and thus features benefits more generous than non-admitted "surplus coverage." There are no waiting periods associated with most benefits or services and no pre-certification is required. The plan is using HIPAA guidelines and the pre-existing condition exclusion can be waived subject to proof of prior creditable insurance. In addition, the plan automatically covers injuries or illnesses that are a result of a terrorist act. Several plan designs are available, including a high-deductible plan that qualifies for a tax-advantaged Healthcare Savings Account.