Navigator Missionary Plan

Navigator Missionary Insurance

GeoBlue Navigator Missionary offers medical coverage for U.S. citizens and their families living and serving overseas. A wide range of benefits and four deductible options allow members to select the right amount of insurance coverage for their budget and lifestyle.

What makes this plan so great?

  • Deductible options from $250 to $5,000
  • 100% coinsurance outside the U.S.
  • Covers visits back to the States
  • Plan can be renewed annually
  • 24/7 assistance service

GeoBlue Navigator is offered in cooperation with certain local Blue Cross and Blue Shield companies, which collectively cover 1 in 3 Americans. Protect yourself and your family while abroad with Navigator Missionary from GeoBlue.

*Coverage available up to age 75.

 

Details
FAQs
Claims

Navigator Missionary Plan Details


GeoBlue’s Navigator Missionary plan provides worldwide medical health insurance and services for career missionaries. With coverage inside and outside the U.S., those in the missionary field have access to the Blue Cross Blue Shield network of over 700,000 doctors and hospitals within the U.S., and the freedom to choose their doctor or care facility anywhere they travel outside the U.S.

Overview

Medical Maximum

Unlimited annual and lifetime maximum

Deductible

Your choice of $250, $1,000, $2,500, or $5,000

On the application form, you will be asked for your choice of deductible. Your premium rate is dependent on the deductible you choose. Please see the application form for more information.

Family Deductible

A family is charged a maximum of 2.5 deductibles.

Co-Insurance

Three tiers of coinsurance:
100% outside the U.S.,
80% in-network in the U.S.,
60% out-of-network in the U.S.

Medical

Coverage available for in-patient and outpatient medical expenses

24-Hrs Emergency Assistance

GeoBlue provides a 24/7 toll-free call center to assist members in medical emergencies and provides assistance with emergency medical evacuations, return of remains, and accidental death and dismemberment.

Medical

Adult Wellness

Primary Care office visits - as many as 8 visits per calendar year

Outside the U.S. – All except a $10 copay per visit

In-network in the U.S. – All except a $30 copay per visit

Out-of-network in the U.S. – 60% to coinsurance maximum, then 100%

Child Wellness

Preventative care for babies/children: (birth to age 18) for office visits/examination and immunizations, lab work & X-rays

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 60% to coinsurance

Adult Wellness

Preventative care for adults: (age 19 and older) for routine Pap smears, annual mammogram, and PSA for men

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 80% to coinsurance

Adult Wellness

Annual physical examination health screening

Outside the U.S. – 100% maximum covered expenses of $250 and limited to one per calendar year

In-network U.S. – 80% of coinsurance maximum then 100%. Maximum Covered Expense of $250 and limited to one per Calendar year.

Out-of-network U.S. – 60% of coinsurance maximum then 100%. Maximum covered expense of $250 and limited to one per calendar year

Out-patient Medical Expenses

Outside the U.S. - 100%

In-network in the U.S. - 80% to coinsurance maximum then 100%

Out-of-network in the U.S. - 60% to coinsurance maximum then 100%

In-Patient and Day-Patient Treatment

Surgery, x-rays, in-hospital doctor visits, organ/ tissue transplants

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 60% to coinsurance maximum then 100%

In-Patient and Day-Patient Treatment

In-patient medical emergency

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 60% to coinsurance maximum then 100%

In-Patient and Day-Patient Treatment

Professional services - surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic x-ray, and lab work

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 60% to coinsurance maximum then 100%

Other Services

Ambulatory Surgical Center

Outside the U.S. – 100%

In-network in the U.S. – 80% to coinsurance maximum then 100%

Out-of-network in the U.S. – 60% to coinsurance maximum then 100%

Other Services

Physical/ Occupational Therapy/ Medicine

Deductible is waived. Covered expenses up to $50 per visit, and as many as 6 visits per calendar year.

Local Ambulance

Outside the U.S. - 100%

In-network in the U.S. - 80% to coinsurance maximum then 100%

Out-of-network in the U.S. - 60% to coinsurance maximum then 100%

Durable Medical Equipment

Outside the U.S. - 100%

In-network in the U.S. - 80% to coinsurance maximum then 100%

Out-of-network in the U.S. - 60% to coinsurance maximum then 100%

Mental Illness

In-patient mental illness:

Outside the U.S. - 100% up to 60 days

In-network U.S. - 80% up to 60 days

Out-of-network U.S. - 60% up to 60 days

Mental Illness

Outpatient mental illness:

Outside the U.S. - 75% up to 40 visits/ 60% thereafter

In-network U.S. - 75% up to 40 visits/ 60% thereafter

Out-of-network U.S. - 75% up to 40 visits/ 60% thereafter

Other Services

In-patient Substance Abuse:

Outside the U.S. - 100% up to 60 days detox

In-network U.S. - 80% up to 60 days detox

Out-of-network U.S. - 60% up to 60 days detox

Other Services

Outpatient Substance Abuse

Outside the U.S. - 75% up to 40 visits/ 60% thereafter

In-network U.S. - 75% up to 40 visits/ 60% thereafter

Out-of-network U.S. - 75% up to 40 visits/ 60% thereafter

Other Services

Outpatient prescription drugs:

Outside the U.S. - 100% of actual charge Up to an annual maximum of $5,000. Maximum 90-day supply

In-network U.S. - 100% of actual charge up to an annual maximum of $5,000. Maximum 90 - day supply

Out-of-network U.S. - 100% of actual charge up to an annual maximum of $5,000. Maximum 90 day supply

Other Services

Dental care required due to an injury:

Outside the U.S. - 100% of Covered Expenses up to
$500 per calendar year maximum

In-network U.S. - 100% of Covered Expenses up to
$500 per calendar year maximum

Out-of-network U.S. - 100% of Covered Expenses up to $500 per
calendar year maximum

Other

Accidental Death and Dismemberment

Deductible is waived. Maximum Benefit: Principal Sum up to $10,000

Repatriation of Remains

Deductible is waived. Maximum Benefit up to $25,000

Emergency Evacuation

Deductible is waived. Maximum Lifetime Benefit for all evacuations up to $250,000

For full policy information, see your policy certificate for details.

Navigator Missionary Frequently Asked Questions


What is international medical insurance coverage?

International Medical coverage is health insurance that covers you for accidents or non-preexisting illness when you are traveling outside your home country. Coverage can be tailored in ways to meet your specific needs.

Why do I need insurance while outside my home country?

In most case your domestic medical coverage will not cover you while abroad or may offer only limited benefits. Medicare does not travel with you and your Medicare Supplement plans only have limited benefits.
Travel insurance also provides coverage for emergencies such as evacuation due to medical condition, civil unrest or natural disasters, repatriation or assistance with minors. Your domestic medical coverage does not provide these benefits which, if needed, can be very costly.

Who can buy international medical coverage?

Anyone traveling outside their home country, vacation travelers, business travelers, students, missionaries.

Can I cancel my coverage?

If you cancel your coverage before it begins, most carriers waive any cancellation fee. If you cancel after your coverage begins, there may be a cancellation fee. Only unused portions of your premium will be refunded, often in whole monthly increments only.

If you are concerned about the need to cancel coverage, then you may purchase trip cancellation coverage as a rider on some plans or purchase a stand-alone trip cancellation plan to cover your accident/ sickness and trip cancellation needs in one.

Can my coverage start today?

Your insurance coverage cannot start on the same day you apply. The earliest most plans can begin is 12:01am the next day.

Are pre-existing conditions covered under international medical?

Under short term medical plans pre-existing conditions are not covered. If you are looking for a permanent plan because you are going to be out of your home country for longer than six months please give us a call for advice.

Does Medicare pay for international medical expenses?

Medicare will not cover cost associated with international travel. Some Medicare supplements will pay limited expenses but you must pay everything up front and file for reimbursement.

For more information you can visit

Does travel insurance cover pregnancy?

Under short term medical policies pregnancy including complications is generally excluded. With some long term plans if you have the coverage for 11 months or longer maternity coverage can be purchased.
Policy provision varies by carriers and travel policies. If you have specific questions, please give us a call at 1-866-971-7936

How do I extend or renew my coverage?

Extension or renewal options vary from plan to plan. Some plans are not extendable or renewable, and some are only renewable if you purchase a minimum number of months. If your plan is renewable or extendable, you must renew before the expiration date. Otherwise, you will need to reapply and satisfy new deductibles or waiting periods. Policies do not automatically renew; you will receive your renewal notice by email.

Now that I have purchased insurance coverage, what do I do with it?

Print your ID card and a copy of the claim form. Your ID card contains your policy certificate number, your name, and dates of coverage. The ID card and claim form both have the phone number for the insurance company. It is also a good idea to email a family member or trusted person a copy of your insurance coverage, passport, itinerary, credit card, and other travel documents in case you lose them.

What is a PPO Network?

The PPO (preferred provider organization) plan network usually pertains to insurance coverage that is being used in the U.S.A. and Canada. Most plans have a network of selected doctors, hospitals, and care facilities they have contracted with for discounted rates. If you use that network, or stay in that network, then there is less co-insurance you must pay. If you use a doctor or facility outside of that network, your portion of the co-insurance is higher.

What do I do if I have a claim?

If you are seeking treatment at a medical facility or provider, give that provider the contact information to the company you are covered under. Many times the insurance company can provide payment upfront. If you have paid anything out-of-pocket then save all your receipts, medical bills, and forms pertaining to your claim. Complete the appropriate claim form from that insurance company and submit it with the associated bills and payment information. Many companies offer online tools to help you file a claim or to check on the status of a pending claim.

What is a pre-certification requirement?

Certain medical procedures and benefits require pre-certification before the insurance company will approve the cost. Procedures and treatments such as but not limited to surgeries, emergency medical evacuation, CAT scans, MRI scans, and return of mortal remains must be pre-certified before treatment, or coverage may be reduced by 50% and other expenses forfeited. Only you and your doctor can decide the appropriate course of treatment for your injury or illness. Most carriers offer the option to pre-certify online through your consumer portal or by phone.

Who do I call in case of an emergency?

First, seek immediate medical treatment and call the local emergency number in your area or contact an emergency service provider. Depending on where you are, you may not be in an area that provides emergency medical services.

Then contact the insurance company by using the phone number on the back of your ID card. They will accept collect calls. The insurance company may provide emergency medical evacuation if it is a part of your covered benefits. Contacting the insurance company as soon as possible can help reduce delays in medical treatment and claims.

Make sure a trusted friend or family member has a copy of your ID card, travel itinerary, and travel documents as back-up.

Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

What is the maximum age I can purchase international medical coverage?

Most policies do not have an age limit but they do have a maximum amount of coverage that they will provide based on your age. Most policies start to decrease coverage after age 69. See each plan brochure for specifics.

I couldn’t find the answer to my question.

We gather feedback from our users and continuously add information to our website to better help you with questions. We are sorry you haven’t found the information you are looking for, please give us a call.

Contact information
Phone: 1-866-971-7936
Email:

Navigator Missionary Claims & Assistance


  • GeoBlue
  • 1 Radnor Corporate Center
  • Radnor
  • PA, 19087
Emergency

1-800-257-4823
1-610-254-8771 (outside US)
globalhealth@geo-blue.com

Claims

1-855-282-3517
1-610-254-5304 (outside US)
claims@geo-blue.com