Working and traveling internationally has surpassed pre-pandemic levels. Most U.S. health plans, including employer-sponsored, ACA and Medicare plans, have limited, if any, international benefits. Clients who rely solely on their U.S. health insurance while abroad will likely experience critical gaps in care and coverage, which may include unexpected medical costs that domestic insurance plans do not cover. The financial and emotional cost could be devastating.
What to look for in an international health insurance plan
Having an insurance carrier partner, like GeoBlue®, who is dedicated to serving the globally mobile can make all the difference. GeoBlue plans are backed by Blue Cross Blue Shield and are specifically designed for those who are living, working, traveling, and studying abroad, offering solutions for individuals and families (up to age 95), employer groups (2+ employees), and scholastic groups, such as colleges and universities.
- Benefits that domestic health plans do not typically cover, such as global telemedicine services and medically necessary evacuation, as well as capabilities for evacuations for political unrest and natural disasters
- Worldwide compliance and specialized solutions for regulated markets*
- Powerful global network and brand recognition, with a strong provider settlement rate. Direct payment to providers means your clients don’t have to pay upfront and submit a claim later.
- 24/7/365 support from an experienced team of global healthcare specialists that can support everything from simple questions to complex cases
- Convenient digital tools that can help members navigate unfamiliar healthcare systems
- Benefits for wellness and mental health services
* Regulated markets require the use of approved local insurance carriers or integration with the country’s national health plan. Examples of regulated markets include Abu Dhabi, Saudi Arabia, Dubai, Netherlands and Australia.
International claims are not always what you think
It may be surprising to learn that most international claims from U.S. expats occur within the U.S. This is because expats tend to come back to the U.S. for care. Plus, their dependents who don’t go with them on assignment continue to receive care in the U.S. That’s why it’s important to ensure that there is a strong network outside and inside the U.S.
When it comes to international claims outside the U.S., relying on a domestic health plan could be doing your clients a disservice. International claims may be considered out-of-network and may not be covered or reimbursed. Even worse, clients may be denied care if they can’t pay upfront. The emotional and financial consequences could be devastating.
Use this handy guide to help you uncover international opportunities and help your clients ensure that they are protected. Remember that offering global coverage helps protect clients AND your existing business by helping ensure your clients stay with you for all their coverage needs. Plus, you earn a commission on every sale.
To start selling GeoBlue plans for individuals and families, visit the link below that corresponds with your state.
Once you’re appointed, login to the GeoBlue Agent Hub for commission statements, ready-to-use content, campaign guides, and more. Contact GeoBlue’s Partner Program at PartnerProgram@geo-blue.com or call 844-669-8743 to learn more.
To learn more or get a quote for a group plan, contact your regional GeoBlue sales representative.
GeoBlue travel insurance is not offered by Anthem. GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York). GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda. This coverage is offered to the members of the Global Citizens Association, Washington, D.C. GeoBlue, 4 Ever Life International and Anthem are each independent licensees of the Blue Cross Blue Shield Association of America.
GeoBlue® is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.