Navigator Health Plan Insurance | Benefits

GeoBlue’s Navigator Health Plan provides worldwide, comprehensive health insurance to international students coming to the US or US citizens going overseas. This plan offers concierge-level medical assistance and direct payment to any doctor, hospital, or clinic in the Blue Cross Blue Shield network in the US or in their extensive, yet carefully selected provider network outside the U.S. This plan can be purchased for as little as 3 months up to a year, and students can keep this plan annually.


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Benefits Outside U.S. In Network, U.S. Out of Network, U.S.
Lifetime Maximum per Insured Person Unlimited Unlimited Unlimited
Annual Maximum per Insured Person Unlimited Unlimited Unlimited
Preventative and Primary Care Insurer Waives Deductible
Primary Care Office Visits
as many as 8 visits per Calendar Year
All except a $10 copay per visit All except a $30 copay per visit 60% to Coinsurance Maximum then 100%
Preventative Care for Babies/Children:
(Birth to Age 18)
  1. Office Visits/examination
  2. Immunizations, Lab work, & X-rays
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Preventative Care For Adults:
(Age 19 and Older)
  1. Routine Pap Smears, annual mammogram
  2. PSA For Men
  3. Diagnostic lab work & X-rays
  4. Immunizations as recommended by the Center for Disease Control (CDC)
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Travel Vaccinations 100% Maximum Covered Expense of $500 per Calendar Year. 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Annual Physical Examination/Health Screening 100% Maximum Covered Expense of $250 and limited to one per Calendar Year 80% to $250 and limited to one per Calendar Year. 60% to $250 and limited to one per Calendar Year.
Outpatient Services Insurer pays after deductible is met
Outpatient Medical Care 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Inpatient Hospital Services Insurer pays after deductible is met
Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Inpatient medical emergency 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Professional Services
Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work
100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Ambulatory and Therapeutic Services Insurer pays after deductible is met, unless noted
Ambulatory Surgical Center 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy Medicine Deductible is waived. Covered Expenses up to $50 per visits, and as many as 6 visits per Calendar Year
Ambulance Service 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Durable Medical Equipment 100% 80% to Coinsurance Maximum then 100% 60% to Coinsurance Maximum then 100%
Rehabilitation and Therapy Insurer pays after deductible is met, unless noted
Inpatient Mental Health 100% up to 60 days 80% up to 60 days 60% up to 60 days
Outpatient Mental Health 75% up to 40 visits, 60% thereafter 75% up to 40 visits, 60% thereafter 75% up to 40 visits, 60% thereafter
Inpatient Substance Abuse 100% up to 60 days detox 80% up to 60 days detox 60% up to 60 days detox
Outpatient Substance Abuse 75% up to 40 visits, 60% thereafter 75% up to 40 visits, 60% thereafter 75% up to 40 visits, 60% thereafter
Outpatient Prescription Drugs Insurer Waives Deductible
100% of actual charge up to an annual maximum of $5,000/ Maximum 90-day supply
Global Travel Benefits Insurer Waives Deductible
Emergency Medical Transportation Maximum Lifetime benefit for all Evacuations up to $250,000
Repatriation of Mortal Remains Maximum Benefit up to $25,000
Accidental Death and Dismemberment Maximum Benefit: Principal Sum up to $10,000
Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate for the full benefits and limitations of the plan. Limits apply to all benefits.

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