The College Student Health Insurance Specialists
Call 1-877-758-4941 or Direct 1-904-758-4401

International Health Insurance


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 Unlimited Unlimited Unlimited
Preventative Care For Babies/Children: (Birth to Age 18)
  1. Office Visits/examination
  2. 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)
  1. Routine Pap Smears, annual mammogram
  2. PSA For Men
  3. Annual Physical Examination/Health Screening
  4. 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
Rehabilitation and Therapy Insurer Pays After Deductible is Met
Inpatient Mental Health 100% up to 60 days 80% up to 60 days 60% up to 60 days
Outpatient Mental Health 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter
Inpatient Substance Abuse 100% up to 60 days detox 80% up to 60 days detox 60% up to 60 days detox
Outpatient Substance Abuse 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter 75% up to 40 visits / 60% thereafter
Optional Prescription Drug Benefit Insurer Waives Deductible
Basic Prescription Drug Benefit 100% of actual charges up to $500 $0 $0
Optional Rider, subject to $25,000 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 $250,000 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
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
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:

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