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GeoBlue FAQ: Will a pre-existing condition be covered?
Answer: If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage.
If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage.
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Global Navigator Question: Will my pre-existing condition be covered under a GeoBlue Navigator plan?
Answer: If you do not have the letter of credible coverage (CCC), you will have to wait 12 months before pre-existing medical condition is covered. A Preexisting Condition is defined any disease, illness, sickness, malady or condition which was diagnosed or treated by a legally qualified physician prior to the effective date of coverage with consultation, advice or treatment by a legally qualified physician occurring within 6 months prior to the Coverage Date for the insured.
If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage.
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.
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Xplorer Question: Will my pre-existing condition be covered under a GeoBlue Xplorer plan?
Answer: Once approved and activated, if you were previously covered by a group or annually renewable individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue Worldwide will apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage.
The number of 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.
If they do not have credible coverage there will be a 6 month waiting period to cover pre-existing conditions. Asthma may or may not have a rate up. It would depend the status.
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Pre-existing Condition Question: What if I have asthma? Will I be accepted?
It depends on the severity of your medical condition. If you are accepted then asthma may or may not have a rate up. The rate up can go as high as 40% of your monthly premium.
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Coverage Question: Will my orthopedic doctor’s visit be covered?
Answer1: The condition would be covered up to the policy maximum. The only exclusion I could find concerning this was: 18. Orthopedic shoes (except when joined to braces) or shoe inserts, including orthotics.
Answer 2: However, we highly recommend verifying with GeoBlue by calling or emailing them. If you do not get an answer in under 5 business days please contact your GNI Team at .
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Question About the Network: I cannot find an in-network medical facility/doctor in my zip code. Will I be charged using out-of-network cost?
Answer 1: In the U.S., if a member does not have a participating physician in an appropriate specialty available to them within 25 miles, GeoBlue will apply in-network benefits (80%) to the provider they see.
Answer 2: Outside the U.S., 100% coverage always applies after any applicable deductible or co-payment.
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International Coverage Question: Are the Global Citizen / Global Navigator individual and family international career insurance plans (now called GeoBlue Xplorer / GeoBlue Navigator) exempt from the new PPACA / ACA (affordable care act)?
Answer: Our Global Citizen / Navigator and GeoBlue Xplorer / Navigator plans are exempted under the Affordable Care Act (ACA) as limited duration policies geared for international living. Despite the exemption, certain benefit levels have been written to ACA levels. For example, the plans have an unlimited medical maximum and dependents are eligible up to age 26.
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Maternity Coverage Question: I currently do not have maternity coverage on my policy. If I become pregnant, am I covered if I have a miscarriage or an ectopic pregnancy?
Answer: Complications of Pregnancy are covered under our GeoBlue Xplorer and GeoBlue Navigator plans, as any other medical condition. Benefits for complications of pregnancy shall be provided for all covered Insured Persons.
Complications of Pregnancy are conditions, requiring hospital confinement (when the pregnancy is not terminated), whose diagnoses are distinct from the pregnancy, but are adversely affected by the pregnancy, including, but not limited to acute nephritis, nephrosis, cardiac decompression, missed abortion, pre-eclampsia, intrauterine fetal growth retardation, and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include termination of ectopic pregnancy, and spontaneous termination of pregnancy, occurring during a period of gestation in which a viable birth is not possible. Complications of Pregnancy do not include elective abortion, elective cesarean section, false labor, occasional spotting, morning sickness, physician prescribed rest during the period of pregnancy, hyperemesis gravidarium, and similar conditions associated with the management of a difficult pregnancy not constituting a distinct complication of pregnancy.
