Why should you buy HTH's Global Citizen EXP Plan?
Here are some reasons you should consider the Global Citizen EXP health plan:
Reason 1: Medical Expense Coverage
During your international experience, you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. In addition, you may wish to return home for either routine care or the treatment of an unexpected illness.
The Medical Benefits provided under the Global Citizen EXP plan can help protect you against these unforeseeable circumstances.
Reason 2: Medical Evacuation and Other Coverages
In addition to Medical Benefits, the Global Citizen EXP plan provides other valuable benefits, including:
- Medical Evacuation Coverage, to transport you to higher quality medical care in the event of serious illness. Medical evacuations can cost $25,000 or more.
- Accidental Death & Dismemberment Coverage.
- Optional Pharmacy Coverage, which includes coverage for prescription medications outside the U.S.
Reason 3: Ready Access to Quality Care
In addition to health protection, you'll receive access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries. Detailed provider profiles, including medical training, are available online. You can even ask HTH to locate a provider in a particular location or specialty, to better meet your personal needs. Global Citizen EXP customers who require hospital care overseas can receive full profiled international treatment options and, in the event of an unforeseen emergency, round-the-clock support, including assistance with evacuation. In most cases, HTH can pay providers directly (not available everywhere), saving you from using personal funds upfront.
Reason 4: HTH's Global Health and Safety Resources.
In addition to high quality insurance coverage and medical care, expatriates and international travelers need knowledge and information. When you enroll in the Global Citizen EXP plan, you gain access to HTH's powerful Global Health and Safety Resources. These online assistance tools, backed up by 24 hour a day customer service, provide daily health and security alerts by emails, and detailed description of health facilities and security information, by destination. In addition, translation databases are available for brand name drugs and medical terms and phrases. To see these powerful tools in action, visit our Demos. For a complete description, visit Global Health and Safety Resources.
Reason 5: Global Citizen EXP Offers the Strength of a U.S. Insurer
Global Citizen EXP is underwritten by
- UNICARE Life & Health, a WellPoint company which is rated A- (Excellent) by A.M. Best. WellPoint is the nations largest health care company, serving more than 28 million members; or
- HM Life Insurance Company, Pittsburgh, PA or HM Life Insurance Company of New York, New York, NY. Both companies are rated A- (Excellent) by A.M. Best Company. HM Life Insurance Company and HM Life Insurance Company of New York are part of HM Insurance Group, whose member companies work to provide health risk solutions for clients.
Reason 6: Global Citizen EXP Offers Advantages over Competing Plans
The Global Citizen EXP health plan has met the standards of state regulators and thus features benefits more generous than non-admitted "surplus coverage." There are no waiting periods associated with most benefits or services and no pre-certification is required. The plan is using HIPAA guidelines and the pre-existing condition exclusion can be waived subject to proof of prior creditable insurance. In addition, the plan automatically covers injuries or illnesses that are a result of a terrorist act. Several plan designs are available, including a high-deductible plan that qualifies for a tax-advantaged Healthcare Savings Account.