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Global Citizen

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Global Citizen - Benefit Overview

Eligibility

Available to individuals age 74 or younger, and their Eligible Family Members. For more information, please see our eligibility criteria.

 

PPO Network

The Global Citizen plan provides access to doctors in the USA under the Aetna Network (search Aetna Standard Plans/Open Choice PPO).The Aetna Passport PPO is one of the largest networks available and provides access to more than 700,000 doctors and 4,400 hospitals.

 

Benefits

Listed below is what the insurance will pay for each listed benefit.

Features Outside U.S. U.S.(In Network) U.S.(Outside Network)
Lifetime Maximum per Insured Person $5,000,000 $5,000,000 $5,000,000
Preventive and Office Visits Insurer Waives Deductible
Physician Office Visits (Adult) All except a $10 copay per visit1 All except a $30 copay per visit 60% to Out-of-Pocket Maximum then 100%
Physician Office Visits (Children 0-18) 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Child Immunizations, Lab work & X-rays 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Women: (25 and Older)
Routine Pap Smears, annual mammogram		 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
PSA for Men 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
One Routine Physical Per Year 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Professional Services Insurer Pays After Deductible is Met
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work. 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Maternity 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Inpatient Hospital Services Insurer Pays After Deductible is Met
Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
In-patient medical emergency6 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
In-patient drugs 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Ambulatory and Therapeutic Services Insurer Pays After Deductible is Met
Ambulatory Surgical Center 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Ambulance Service 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket 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 100% up to $2000 100% up to $2000
Durable Medical Equipment 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Infusion Therapy 100% 80% to Out-of-Pocket Maximum then 100% 60% to Out-of-Pocket Maximum then 100%
Physical/Occupational Therapy $30/visit, 12 visits per year $30/visit, 12 visits per year $30/visit, 12 visits per year
Basic Prescription Drug Benefit 50% of actual charges up to $500 $0 $0
Optional Prescription Drug Benefit Insurer Waives Deductible
Subject to $5,000 Maximum Benefit 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 Insurer Pays Without a Deductible
Medical Evacuation Up to $100,000 n/a n/a
Repatriation of Remains Up to $25,000 n/a n/a
Accidental Death and Dismemberment $50,000 $50,000 $50,000

 

Deductible Options

Global Citizen
Plan 1,2,3,4,5 		Deductible Coinsurance Maximum
Outside U.S. U.S.in Network U.S.out of Network
Elite $0 $0 $1,000 $2,000
500 $250 $500 $1,000 $3,000
1,000 $500 $1,000 $2,000 $4,000
2,000 $1,000 $2,000 $4,000 $8,000
5,000 $2,500 $5,000 $10,000 $10,000

 
1. Copay waived when visiting an HTH Worldwide contracted provider.
2. Deductibles are Per Person per Policy Period.
3. The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 3 deductibles.
4. Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
5. An Insured Person only has to satisfy his/her Out of Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
6. Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty

 

Participating and Non-Participating Providers Inpatient Benefit Outpatient Benefit
Mental Health 100% up to 20 days per year 80% up to 30 visits per year
Substance Abuse 100% up to 12 days of detox 80% up to 30 visits per year

 

Other Benefits Limits
Home Health Care 100% Covered Expenses, as many as 30 visits per year
Skilled Nursing Facilities 100% with a maximum Covered Expense of $250 per day, as many as 50 days per year
Hospice 100% with a maximum Covered Expense of $5,000 per lifetime

 

Added Value

The Global Citizen also offers many extensive benefits beyond the usual health care coverage which encompasses:

  • Access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 160 countries.
  • Detailed provider profiles including medical training.
  • Personalized appointment scheduling and recruitment.
  • Direct payment to providers.
  • Fully profiled international treatment options.
  • Competitive U.S. PPO network and centers of excellence.
  • Emergency evacuation.

The Global Citizen plan also offers numerous health and safety resources:

  • Online assistance tools with full telephone support.
  • Daily email of health and security alerts
  • Detailed descriptions of health facilities and security issues by destination
  • Translation databases for brand name drugs and medical terms/phrases.
  • Web pages capturing key personalized HTH Resources by destination.
Benefits Exclusions Free Quote/ Premiums Apply Online
Download the Global Citizens Brochure

 

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