Navigator FAQs

  1. Am I guaranteed to be issued a Navigator policy if I apply?

    No, Navigator is not a guaranteed issue plan. Each application is medically underwritten. Your application may be 1) accepted or 2) denied.

  2. Is the quote I receive binding?

    No, the quote you receive is not binding. The quote you receive may not apply if you misstated a material fact on your application.

  3. When determining a rate while overseas, what zip code should I use?

    Policies for applicants residing outside the U.S. are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036. Please enter "20036" or "0" in the quoting tool if applying online while living outside the U.S.

  4. How long will the medical underwriting process take?

    The underwriting time frame depends on the verification of student status listed on the application. Our commitment is to respond to a submission in writing within 24 - 48 hours. In some instances, this may mean that we send a request for additional information to the applicant, such as a copy of a tuition bill, class schedule or letter from the registrar, or to notify the applicant that he/she erroneously missed a question on the application form. Our turnaround time in these situations will depend on how quickly the applicant responds to our request. If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.

    If you are applying for coverage as a student only, you are eligible for our expedited underwriting process. If you are a student in need of dependent coverage, an OPT participant or you are a Faculty member/scholar, you will be directed through the normal underwriting process.

    In either situation above, the best way to expedite underwriting is to submit verification of your school status with your application.

  5. Once I'm approved for coverage do I have to go through medical underwriting again?

    You do not need to go through medical underwriting when you re-enroll into your current plan design without changes. You may be medically underwritten again if you decide to select different benefits (see below). Plan changes can only be requested at time of re-enrollment.

    If a member would like to increase benefits (by lowering a deductible) they must complete a new application. If a member would like to reduce their benefits, they do not need to complete a new underwriting application.

  6. How do I calculate out of pocket expenses and the annual limit?

    Out-of-pocket expenses are defined as the expenses a member incurs when satisfying the plan’s deductible and coinsurance requirements. The deductible and coinsurance level varies based on where treatment is delivered as shown in the table below. The total annual out-of-pocket expense limit is calculated by adding the deductible and coinsurance maximum together. In this example, it is $2,250. Deductibles must be satisfied before any benefit is paid. Coinsurance is applied as a percentage of the payable medical charges. This percentage is only applied to care delivered inside the U.S. and varies depending on whether the care is delivered in-network or out-of-network.

    Table illustration

    Plan 1,2,3,4,5
    Deductible Coinsurance Maximum
    Outside U.S. Network U.S.out of Network
    250 $125 $250 $500 $2,000

    Out of Pocket Expense Example

    Member is covered under the Navigator 250 plan and receives services from an in-network hospital in the U.S.

    Payable medical expenses are $20,000, the $250 deductible must be satisfied, and 20% coinsurance applies.

    A member is only responsible for $2250 in out-of-pocket expenses. This is due to the fact that there is a Coinsurance cap of $2,000.

  7. Will my policy automatically renew? At what rate?

    You can enroll in a Navigator policy up to age 75. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. Navigator rates are standard rates for all members re-enrolling.

  8. When does my coverage end?

    We may terminate your policy if:

    1. You no longer meet the eligibility requirements
    2. You fail to pay your premium
    3. We discover that you committed fraud or misrepresented a material fact to us
    4. We terminate the plan in your geographic service area

  9. Will my pre-existing condition be covered under a Navigator plan?

    If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, underwriting will apply this prior coverage to the pre-existing conditions waiting period, provided you meet our medical underwriting criteria. We will also consider private health insurance issued in other countries as creditable coverage. There are several reasons why coverage would not be considered creditable: 1) The medical benefits are too low 2) We do not consider National or Public Health Insurance as creditable coverage 3) There is a time lapse where there was no coverage up until your effective date of your new plan.

    The number of months of coverage shown on the Certificate will reduce or eliminate the 12 month pre-existing condition waiting period. If you have 12 or more months of creditable coverage, your waiting period will be eliminated. If you have less than 12 months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.

  10. How do I access participating medical providers outside the U.S. and avoid claim forms?

    When outside the U.S., we have a network of doctors that includes almost every specialty you may need in over 180 countries. Only a small fraction of doctors around the world meet our standards - participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations from over 140 Physician Advisors from all over the world. Then we assemble in-depth profiles so our members can choose with confidence, and we put formal contracts in place to ensure patient access. Once they've seen you, our doctors bill us directly so you don't have to file a claim.

    Direct billing can also be requested by calling the assistance telephone number listed on your member ID card, or by emailing Please note that in the U.S. a member can simply show their ID card at time of service and participating providers will only bill the member for any required deductible or co-payment.

  11. I am trying to find a doctor in the U.S. in your network, but there is no one listed within 25 miles of where I am searching. What should I do?

    In the U.S., if a member does not have a participating physician in an appropriate specialty available to them within 25 miles, we will apply in-network benefits (80%) to the provider they see.

    Outside the U.S., 100% coverage always applies after any applicable deductible or co-payment.

  12. I purchased a plan, but would like to cancel my insurance prior to its expiration. Is there an enrollment minimum? Will I have to pay any cancellation fees?

    At the time of enrollment, HTH has a 3 month enrollment minimum. However, customers are not locked into a 3 month contract. HTH understands that life plans change, therefore we allow our members to cancel any month they choose with no cancellation fees or penalties. All cancellation requests must come from the insured subscriber and be received by HTH in writing via email, fax, or regular mail. HTH does not refund premium for a partial month. Retroactive cancellations are not permitted.

  13. Are acts of terrorism covered under this plan?

    Yes. The Navigator plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.

  14. How are medical evacuation decisions made?

    The evacuation benefit pays for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

  15. How do I qualify for maternity benefits?

    After 364 days of continuous coverage, Navigator members may apply for a new plan that covers maternity costs up to $25,000 per pregnancy for all inpatient and outpatient care related to a covered pregnancy. This is inclusive of pre-natal care, delivery and post-natal care. Note: a newborn may be added to the plan within 31 days of birth with no medical underwriting. Members do not need to submit a new health statement. If you are coming directly off a Student plan which included maternity, your wait period can be reduced or eliminated.

  16. What is the Global Citizens Association?

    The Global Citizens Association (GCA) is a non-profit association located in Washington, D.C. serving the needs of the globally mobile with the goal of helping its members successfully pursue international living experiences through safe and healthy world travel that increase cross-cultural understanding.
    Founded in 1994 to serve international students, the GCA has grown to encompass world travelers and expatriates in all corners of the globe. The Association has sponsored GeoBlue and affiliated insurance programs for travelers for more than 25 years and is organized as a not-for-profit corporation under the laws of the District of Columbia. More information can be found here:

  17. Does this plan meet the Affordable Care Acts requirement for Minimum Essential Coverage?

    This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA). Coverage by the insurer can be 1) accepted, 2) accepted with a rate increase, or 3) denied based on the health history of the applicant(s) ) (student only applicants can only be accepted or denied). A waiting period for pre-existing conditions applies unless you have 12 months of prior creditable coverage. There is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year. For international Students on a J1, F1 or M1 Visa, you are exempted from any tax penalty under the Affordable Care Act. For Americans abroad, there is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year.

    Visit Affordable Care Act FAQ's for more information.

  18. Do these plans meet the J-1 program Visa requirements effective May 15, 2015?

    Yes, the plan benefits and three deductible options meet the requirements. The deductible options that meet the requirements are the 0, 250 and 500 plans. Full details of the requirements can be found on

  19. How do I order my prescriptions when I need them?

    Your HTH Navigator plan comes with outpatient prescription drug coverage up to 100% of actual charges up to an annual max of $5,000 (90 day Max - Insurer waives deductible)

    To access prescription drugs at a retail pharmacy inside of the U.S.;
    Locate a participating pharmacy online at Present your medical ID card to the participating pharmacy and pay your copay.

    To access mail order prescription drugs outside the U.S.;
    Outside of the U.S. your benefit is pay and claim. To obtain a claim form, you may:

    Visit Online: Visit to download a claim form.
    E-mail: E-mail an EPS representative at and request an electronic order form be emailed directly to you.
    Phone: Call an EPS representative to order within the U.S. at 540-777-1450; Hours: 8:30am - 5:00pm EST, USA.

  20. Does this plan meet all Schengen Visa requirements?

    Yes, HTH plans meet all of the Schengen Visa requirements. If you will be traveling to any of the countries within the Schengen area and depending on your nationality, you may be required to show proof that your insurance plan has certain benefits. HTH can provide you with a Visa letter that you can use as proof to show the consulate that your policy meets all the Schengen visa requirements. The Visa letter contains all the specific wording the consulate is looking for.

    The countries within the Schengen area requiring a short-stay visa and proof of insurance include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France and Monaco, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland. See the most current list of countries within the Schengen area and find out which nationalities require a visa and Schengen travel health insurance.

  21. Where can I read the fine print?

    To see plan definitions, limitations or to review a sample certificate visit: