HTH Global Citizen Plan

Highway to Health (HTH) provides the Global Citizen plan for US expatriates and foreign nationals in approved American states or US citizens already living outside the USA. It is an annual, renewable plan that includes comprehensive, major medical coverage inside and outside the U.S.. It is designed for individuals and their families. It offers the security of a US underwriter and administrator that has met the standards of state regulators and thus features coverage more generous than plans sold as non-admitted 'surplus' coverage. The HTH Global Citizen is the only international health plan that is administered using  HIPAA guidelines and meets US states mandates for health insurance. It is underwritten by HM Life Insurance Company & also by UNICARE, a Wellpoint company, in select states. Wellpoint is the largest health plan in the USA with over 20 million health plan members and 42 million specialty members. Click HERE for 5 reasons to get the HTH Global Citizen plan. Click HERE for a Video on HTH's capabilities.

Download Brochure & Application in PDF Adobe Reader format.

You can then fax to:  1-610-293-3529 and post original to our office or to:
HTH Worldwide, 1 Radnor Corporate Center, Suite 100, Radnor, PA  19087, USA

OR you can get quote, information and purchase online via new window:

• Click HERE for Global Citizen Quote & Purchase Page

• Sample HTH Global Citizen Plan Contract - For Exclusions and Limitations, and State to State variation in benefits

Eligible Participants & Application Instructions

To be eligible for the Global Citizen health plan, Eligible Participants must be:

• Age 74 or younger at the time of purchase. Plan provides coverage up to a maximum age 83.
• Coverage subject to approval by HTH's underwriter.

• What zip code applies when applying from overseas?

The Washington D.C. zip code that applies is 20036.

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage. Policies for U.S. citizens residing overseas are issued through the Global Citizens Association office in Washington D.C. When you apply for coverage you become a member of the Association. If you are not in one of the states below, you must already be living abroad. You can then use the following address for application purposes: Global Citizens Association, 1100 Connecticut Avenue, NW, Suite 1000,Washington, DC 20036

What zip code applies when applying in the U.S.?

Please indicate the zip code in your home area.

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage.

All legal residents of the U.S.(citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in a state listed below:

Coverage may not be available in all states. The above list is subject to change without notice.

For US citizens outside of the above states, you can only apply if you are already living outside of the USA.  

• Will my pre-existing condition be covered under a Global Citizen plan?

Global Citizen is administered using HIPAA-guidelines. If you were previously covered by an annually renewable U.S. health plan that issues you a Certificate of Creditable Coverage, HTH Worldwide will credit you for this prior coverage. The number months of coverage shown on the Certificate will reduce or eliminate the six-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six 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 six months to four months.

Eligible Family

Family members included in the plan must be Eligible Dependents. An Eligible Dependent means a person who is the Eligible Participant's spouse age 74 or less and/or:

• unmarried natural child, stepchild or legally adopted child who has not yet reached age 19;
   
• own or spouse's own unmarried child, of any age, enrolled prior to age 26, who is incapable of self support due to continuing mental retardation or physical disability and who is chiefly dependent on the Eligible Participant. The Insurer requires written proof from a Physician of such disability and dependency within 31 days of the child's 26th birthday and annually thereafter.
   
• unmarried child, from their 19th to their 22nd birthday who is a full-time student attending an accredited college, university, vocational or technical school, and who is fully dependent upon the Eligible Participant for support. The Insurer may require proof of student status, but not more than once a Year;
   
• grandchild, niece or nephew who otherwise qualifies as a dependent child, if: (i) the child is under the primary care of the Insured Participant; and (ii) the legal guardian of the child, if other than the Insured Participant, is not covered by an accident or sickness policy.
  
  The term "primary care" means that the Insured Participant provides food, clothing and shelter on a regular and continuous basis during the time that public schools are in regular session.

A person may not be an Insured Dependent for more than one Insured Participant.

Eligible Dependents must be residents (either U.S. citizens or foreign nationals) of the U.S.
 

Maternity Benefits

New applicants are ineligible for maternity benefits in the first 12 months of coverage under the Global Citizen and Global Citizen EXP plans:

• After 12 months of continuous coverage a female member can choose to upgrade to a plan with maternity benefits.
• In order to qualify for the maternity benefit upgrade, an applicant must complete a health statement indicating that they are not pregnant at time of upgrade.
• After upgrading, members will be entitled to a lifetime maximum of $5,000,000 of maternity benefits. Newborn children will be covered automatically in the first 31 days. Well baby visits will be covered up to the policy maximum without a waiting period.

Strength of a U.S Underwriter

Global Citizen international health insurance plans are backed by a U.S. Insurer, no matter how much time you spend in or out of the U.S.:

·         UNICARE Life & Health, a WellPoint company rated A- (Excellent) by A.M. Best

·         HM Life Insurance Company of Pittsburgh, PA rated A- (Excellent) by A.M. Best

·         HM Life Insurance Company of New York, NY rated A- (Excellent) by A.M. Best

Global Citizen plans fully comply with state insurance department standards. It is the only international health insurance plan that is HIPAA administered.

Another reason why HTH Worldwide is a trusted international medical and health care insurance solution provider. HTH Global Health & Safety services will equip you with important up-to-date travel and health information. Enjoy 24/7 access to telephone support from anywhere in the world, online assistance tools, destination health and security information and more.

Access to quality travel health insurance and care you can trust. Anytime, anywhere.

When outside the U.S., connect to our network of international medical providers through premier on-line tools: browse doctor and hospital profiles, schedule appointments, and in many cases, have HTH make direct payments to providers.

When inside the U.S., access our comprehensive provider network made possible by Aetna. One of the largest networks available, the Aetna Passport PPO provides more than 700,000 doctors and 4,400 hospitals for you to choose from. Visit Aetna Passport PPO to view the network in the USA. 

Please read the plan terms and conditions carefully before applying. The above is subject to change without notice.

Contact us for more information!

Note: Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact Expat Financial via web site owner TFG Global Insurance Solutions Ltd. for more information about your specific jurisdiction.

If you like this site, you may like TFG Global Travel Insurance.com - Buy travel insurance online.

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