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.

Doctor/Hospital Search

Outside U.S.

  • Lifetime Maximum per Insured Person Unlimited
  • Annual Maximum per Insured Person 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
  • Preventative Care for Babies/Children: (Birth to Age 18)
    1. Office Visits/examination
    2. Immunizations, Lab work, & X-rays
     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%
  • Travel Vaccinations 100% Maximum Covered Expense of $500 per Calendar Year.
  • Annual Physical Examination/Health Screening 100% Maximum Covered Expense of $250 and limited to one per Calendar Year
  • Outpatient Services Insurer pays after deductible is met
  • Outpatient Medical Care 100%
  • Inpatient Hospital Services Insurer pays after deductible is met
  • Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant 100%
  • Inpatient medical emergency 100%
  • Professional Services Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work 100%
  • Ambulatory and Therapeutic Services Insurer pays after deductible is met, unless noted
  • Ambulatory Surgical Center 100%
  • Physical/Occupational Therapy Medicine Deductible is waived. Covered as many as 6 visits per Calendar Year
  • Ambulance Service 100%
  • Durable Medical Equipment 100%
  • Rehabilitation and Therapy Insurer pays after deductible is met, unless noted
  • Inpatient Mental Health 100% up to 60 days
  • Outpatient Mental Health 75% up to 40 visits, 60% thereafter
  • Inpatient Substance Abuse 100% up to 60 days detox
  • Outpatient Substance Abuse 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

In Network, U.S.

  • Lifetime Maximum per Insured Person Unlimited
  • Annual Maximum per Insured Person Unlimited
  • Preventative and Primary Care Insurer Waives Deductible
  • Primary Care Office Visits as many as 8 visits per Calendar Year All except a $30 copay per visit
  • Preventative Care for Babies/Children: (Birth to Age 18)
    1. Office Visits/examination
    2. Immunizations, Lab work, & X-rays
     80% 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)
     80% to Coinsurance Maximum then 100%
  • Travel Vaccinations 80% to Coinsurance Maximum then 100%
  • Annual Physical Examination/Health Screening 80% to $250 and limited to one per Calendar Year.
  • Outpatient Services Insurer pays after deductible is met
  • Outpatient Medical Care 80% to Coinsurance Maximum then 100%
  • Inpatient Hospital Services Insurer pays after deductible is met
  • Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant 80% to Coinsurance Maximum then 100%
  • Inpatient medical emergency 80% to Coinsurance Maximum then 100%
  • Professional Services Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work 80% to Coinsurance Maximum then 100%
  • Ambulatory and Therapeutic Services Insurer pays after deductible is met, unless noted
  • Ambulatory Surgical Center 80% to Coinsurance Maximum then 100%
  • Physical/Occupational Therapy Medicine Deductible is waived. Covered as many as 6 visits per Calendar Year
  • Ambulance Service 80% to Coinsurance Maximum then 100%
  • Durable Medical Equipment 80% to Coinsurance Maximum then 100%
  • Rehabilitation and Therapy Insurer pays after deductible is met, unless noted
  • Inpatient Mental Health 80% up to 60 days
  • Outpatient Mental Health 75% up to 40 visits, 60% thereafter
  • Inpatient Substance Abuse 80% up to 60 days detox
  • Outpatient Substance Abuse 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

Out of Network, U.S.

  • Lifetime Maximum per Insured Person Unlimited
  • Annual Maximum per Insured Person Unlimited
  • Preventative and Primary Care Insurer Waives Deductible
  • Primary Care Office Visits as many as 8 visits per Calendar Year 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
     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)
     60% to Coinsurance Maximum then 100%
  • Travel Vaccinations 60% to Coinsurance Maximum then 100%
  • Annual Physical Examination/Health Screening 60% to $250 and limited to one per Calendar Year.
  • Outpatient Services Insurer pays after deductible is met
  • Outpatient Medical Care 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 60% to Coinsurance Maximum then 100%
  • Inpatient medical emergency 60% to Coinsurance Maximum then 100%
  • Professional Services Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work 60% to Coinsurance Maximum then 100%
  • Ambulatory and Therapeutic Services Insurer pays after deductible is met, unless noted
  • Ambulatory Surgical Center 60% to Coinsurance Maximum then 100%
  • Physical/Occupational Therapy Medicine Deductible is waived. Covered as many as 6 visits per Calendar Year
  • Ambulance Service 60% to Coinsurance Maximum then 100%
  • Durable Medical Equipment 60% to Coinsurance Maximum then 100%
  • Rehabilitation and Therapy Insurer pays after deductible is met, unless noted
  • Inpatient Mental Health 60% up to 60 days
  • Outpatient Mental Health 75% up to 40 visits, 60% thereafter
  • Inpatient Substance Abuse 60% up to 60 days detox
  • Outpatient Substance Abuse 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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