Blue Cross Blue Shield Global Solutions Xplorer Plan
International health insurance is vital if you are moving abroad or you are already an American expat or global nomad. We have found that some American expatriates want a plan that has a more domestic feel but works extremely well abroad. Blue Cross Blue Shield Global Solutions (previously GeoBlue) provides comprehensive international health plans for US expatriates living outside the USA or about to move overseas within the next 30 days.
Blue Cross Blue Shield Global Solutions offers a plan called ‘GeoBlue Xplorer’ (previously HTH Global Citizen), which offers two separate levels of cover – Essential & Select for those excluding the USA, and Xplorer Premier for those including the USA.
The Xplorer plan is an annual 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 state regulators’ standards, and thus features coverage more generous than that of plans sold as non-admitted ‘surplus’ coverage.
Blue Cross Blue Shield Global Solutions does offer an Xplorer Select plan for anyone planning to keep their US health plan in place.
Note that we are no longer offering this plan on our website; instead, we refer those who still want the BCBS plan to a US-based brokerage, International Citizens Insurance. You can get a quote from them at: https://www.internationalinsurance.com/quote/geoblue-xplorer/?utm_source=tfgglobal&utm_medium=cpl&utm_campaign=bcbs
Get a quote and apply online via Blue Cross Blue Shield Global Solutions today via the brokers in the USA that we refer to. Another option is the Cigna plan we offer via our website.
The plan you are enrolling in is currently exempted under the Affordable Care Act (ACA). The plan is not PPACA compliant (Obama Care). The Blue Cross Blue Shield Global Solutions plan is not COBRA compliant. Blue Cross Blue Shield Global Solutions follows HIPAA laws. See ACA FAQ’s or the BCBS Global Solutions ACA page.
Eligible Participants & Application Instructions
To be eligible for the Blue Cross Blue Shield Global Solutions Xplorer health plans via our website, Eligible Participants must be:
- American citizens living outside of the USA
- An expat age 74 or younger at the time of purchase. The plan provides coverage up to a maximum age 83 for American expats living abroad
- Coverage is subject to approval by HTH’s underwriter and also subject to medical underwriting.
- Not available if you are currently residing in these American States: NY, SD, WA & MD. You can apply if you are about to move abroad outside these states.
- Which zip code should I use when applying from overseas? Use “0”
NOTE: Blue Cross Blue Shield Global Solutions Xplorer Plans are not guaranteed-issue plans. Each application is medically underwritten and covered, and premiums are subject to GeoBlue underwriter approval. Your application may be 1) accepted, 2) accepted with a rate increase due to your health status, or 3) denied. Also, the Blue Cross Blue Shield Global Solutions Plans are not PPACA-compliant.
Travel to Certain Countries: Note that if you will be traveling OR living in the following countries or residing in them, GeoBlue will not be able to cover you: • Afghanistan • Mali • Belarus • Niger • Burkina Faso • North Korea • Burma (Myanmar) • Pakistan • Central African Republic • Palestine • Chad • Papua New Guinea • Congo (Democratic Republic) • Russia • Cuba • Somalia • Haiti • South Sudan • Iran • Sudan • Iraq • Syria • Israel • Ukraine • Ivory Coast • Venezuela • Lebanon • Yemen • Libya. This hot zone list is subject to change at any time without notice.
The applicable Washington, D.C., zip code is 20036.
All U.S. citizens living outside the USA 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
Please indicate the zip code in your home area.
U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage.
IF you are residing in the USA, please contact us for a referral to a Blue Cross Blue Shield Global Solutions broker based in the USA, or go to the brokerage we refer to there at: https://www.internationalinsurance.com/quote/geoblue-xplorer/?utm_source=tfgglobal&utm_medium=cpl&utm_campaign=bcbs
Coverage may not be available in all states. The above list is subject to change without notice.
US citizens can only apply via our website if they are already living outside the USA.
- Will my pre-existing condition be covered under a Blue Cross Blue Shield Global Solutions Xplorer plan?
Blue Cross Blue Shield Global Solutions Xplorer is administered in accordance with HIPAA guidelines. If you were previously covered by an annually renewable U.S. health plan that issued you a Certificate of Creditable Coverage, Blue Cross Blue Shield Global Solutions may credit you for this prior coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the six-month pre-existing condition waiting period.
