International Health Insurance

Benefits | Exclusions | Quote/ Apply Online

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
Preventative and Primary Care – Deductible is not applicable
Preventative Care For Babies/Children: (Birth to Age 18) Office Visits/examination Immunizations, Lab work & X-rays	100%	80% to Out-of-Pocket Maximum then 100%	60% to Out-of-Pocket Maximum then 100%
Preventative Care For Adults: (Age 19 and Older) Routine Pap Smears, annual mammogram PSA For Men Annual Physical Examination/Health Screening Diagnostic lab work & X-rays	100%	80% to Out-of-Pocket Maximum then 100%	60% to Out-of-Pocket Maximum then 100%
Primary Care Office Visits	All except a $10 copay per visit¹	All except a $30 copay per visit	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%
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 Waives 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

Global Citizen Plan ^1,2,3,4,5	Deductible			Coinsurance Maximum
Global Citizen Plan ^1,2,3,4,5	Outside U.S.	U.S. in Network	U.S. out of Network	Coinsurance Maximum
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
10,000	$10,000	$10,000	$10,000	$10,000
25,000	$25,000	$25,000	$25,000	$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

Maternity Benefits

After 12 months of continuous coverage, Global Citizen members may renew their coverage or apply for a new plan that covers maternity costs in the same way as all other medical conditions.

To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade.

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.