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Comprehensive Health Insurance

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• Eligibility
• PPO Network
• Benefits
• Deductible Options
• Added Value
• Guarantee

Eligibility

Eligible Participants

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

• Age 74 or younger at the time of purchase
• Residents of the U.S (either U.S. citizens or foreign nationals), living in one of the following approved states:
  Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia, Wisconsin, Wyoming

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.

PPO Network

The Global Citizen plan provides access to doctors in the USA under the Aetna Network (search Aetna Standard Plans/Open Choice PPO).The Aetna Passport PPO is one of the largest networks available and provides access to more than 700,000 doctors and 4,400 hospitals.

Benefits

Listed below is what the insurance will pay for each listed benefit.

Deductible Options

 
1. Copay waived when visiting an HTH Worldwide contracted provider.
2. Deductibles are Per Person per Policy Period.
3. The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 3 deductibles.
4. Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
5. An Insured Person only has to satisfy his/her Out of Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
6. Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty

Added Value

The Global Citizen also offers many extensive benefits beyond the usual health care coverage which encompasses:

• Access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 160 countries.
• Detailed provider profiles including medical training.
• Personalized appointment scheduling and recruitment.
• Direct payment to providers.
• Fully profiled international treatment options.
• Competitive U.S. PPO network and centers of excellence.
• Emergency evacuation.

The Global Citizen plan also offers numerous health and safety resources:

• Online assistance tools with full telephone support.
• Daily email of health and security alerts
• Detailed descriptions of health facilities and security issues by destination
• Translation databases for brand name drugs and medical terms/phrases.
• Web pages capturing key personalized HTH Resources by destination.

Learn more about comprehensive health insurance:

Benefits • Exclusions • Apply Online