GeoBlue Navigator

Limited Coverage
AM Best Rating
A (Excellent)
4Ever Life Insurance Co.
Basic Coverage Plan
Coverage from 5 days to 12 months
Urgent Care
COVID-19 Excluded

The GeoBlue Navigator health plan meets the needs of international students and faculty by offering comprehensive worldwide benefits inside and outside the U.S. without the typical limits, eligibility conditions and benefit exclusions common among traditional plans. The plan covers the member globally along with the home country as long as he stays out of his home country for a minimum of 3 months.

Please review GeoBlue Navigator USA Insurance Brochure brochure or policy document for complete and accurate coverage information.


Dr. / Physician Visit

Inside USA (In Network) : After the deductible is met, 80% till co insurance maximum is satisfied then 100% Covered.
Inside USA(Out- Of - Network) : After the deductible is met,60% covered till co insurance maximum is satisfied, then 100% Covered.

Prescription Drugs / Medicines

100% of actual charge up to an annual maximum of $5000. Maximum 90 day supply. Deductible is waived.

Lab & X-rays

Inside USA (In Network) : After the deductible is met, 80% till co insurance maximum is satisfied then 100% Covered.
Inside USA(Out- Of - Network) : After the deductible is met,60% covered till co insurance maximum is satisfied, then 100% Covered.

Physical Therapy

Covered expenses up to $50 per visit and up to 6 visits per calender year. Deductible is waived .


Hospital Room

Inside USA (In Network) : After the deductible is met, 80% till co insurance maximum is satisfied then 100% Covered. Inside USA(Out- Of - Network) : After the deductible is met,60% covered till co insurance maximum is satisfied, then 100% Covered.

Emergency Services

Ambulance Expenses

Inside USA (In Network) : After the deductible is met, 80% till co insurance maximum is satisfied then 100% Covered. Inside USA(Out- Of - Network) : After the deductible is met,60% covered till co insurance maximum is satisfied, then 100% Covered.


Acute, spontaneous and unexpected pain

Not Covered

Accidental emergency

100% of covered expense up to a maximum of $500 per calender year.


Emergency Medical Evacuation / Repatriation

Maximum lifetime benefit up to 250,000(Deductible is waived )

Return of Remains

Maximum benefit up to 25000. (Deductible is waived )

Emergency Reunion

Not Covered

Return of minor Child(ren)

Not Covered

Trip Interruption

Not Covered

Loss of checked Baggage

Not Covered



Up to $10,000 Deductible is waived.


Pre-Existing Conditions

Not Covered for services and treatements for a medical condition for which medical advice , diagnosis, care, or treatment was recommended or received during 365 days prior to the members eligibility date.. The 365 days pre-existing period can be reduced or eliminated if covered by a creditable group or individual insurance plan.


After 364 days of continuous coverage , members may apply for new plan that covers maternity costs in the same way as all other medical conditions.
*conception must be after effective date

General Physical full Checkup

Inside USA (In Network) : After the deductible is met, 80% till co insurance maximum is satisfied then 100% Covered.
Inside USA(Out- Of - Network) : After the deductible is met,60% covered till co insurance maximum is satisfied, then 100% Covered.

Terrorism Coverage




24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company


Carrier / Underwriter

4Ever Life Insurance Co.

Plan Type

Comprehensive Coverage Plan

AM Best Rating

A (Excellent)

Coverage in U.S.A.


Coverage outside U.S.A.

Not Covered

Trip Interruption

Not Covered


Outside USA: 100% Covered
Inside USA (In Network): 80% till the co insurance maximum then 100% Covered
Inside USA(Out- Of - Network) 60% till the co insurance maximum then 100%.

Plan Effective Date

The effective date of the insurance will be the 1st or 15th day of the month following the underwriting approval.

Plan End Date

Coverage for an Eligible Participant will automatically terminate on the earliest of the following dates:

1. The last day of the month after the date the insured person is no longer eligible
2. The end of the last period for which premium has been paid
3. Thedate the policy terminates
4. The date of fraudor misrepresentation of a material fact by the insured person , except as indicated in the Time Limit on Certain Defences provision.

Deductible Type

Once Annually


Yes.Up to the age of 75 plan may be renewed .(Please see the policy brochure for details)



PPO Network

Search Doctor and Hospital

Available Deductibles

$250, $1000, $2500, $5000

Provider Directory

24 hours Worldwide, Phone Nos. 866-281-1688

Plan Brochure

Global Navigator USA Insurance Brochure brochure

GeoBlue Navigator USA Student Insurance - Plan FAQs

Q : Who is eligible to buy GeoBlue Navigator for Student & Faculty plan?

U.S. citizens and U.S. permanent residents living abroad who are 75 or younger at the time of application are eligible to apply for coverage. Legal residents of the U.S. (citizens and residents) are eligible if they apply from an approved state. The Eligible Member must be scheduled to reside outside of his/her country for at least 3 months per year and must be involved in Educational activity. This includes:
  • International Students living in an approved state
  • International Faculty and Research Scholars in an approved state
  • Optional Practical Training (OPT) Participants living in an approved state
  • U.S. Students and Faculty, planning on studying outside of the U.S., applying from either an approved state or from outside of the U.S.
  • Pre-existing condition waiting period can be eliminated with proof of prior creditable coverage

Q: Am I guaranteed to be issued a GeoBlue Navigator policy if I apply?

No, GeoBlue Navigator is not a guaranteed issue plan. Each application is medically underwritten. Your application may be 1) accepted or 2) denied.

Q: Is the quote I receive binding?

No, the quote you receive is not binding. The quote you receive may not apply if you misstated a material fact on your application.

Q: When determining a rate while overseas, what zip code should I use?

Policies for applicants residing outside the U.S. are issued through the Global Citizens Association office in Washington D.C. The zip code that applies is 20036. Please enter "20036" or "0" in the quoting tool if applying online while living outside the U.S.

Q: How long will the medical underwriting process take?

The underwriting time frame depends on the verification of student status listed on the application. Our commitment is to respond to a submission in writing within 24 - 48 hours. In some instances, this may mean that we send a request for additional information to the applicant, such as a copy of a tuition bill, class schedule or letter from the registrar, or to notify the applicant that they erroneously missed a question on the application form. Our turnaround time in these situations will depend on how quickly the applicant responds to our request. If we receive the application before the requested effective date, we can honor the effective date even if the approval comes through thereafter.
If you are applying for coverage as a student only, you are eligible for our expedited underwriting process. If you are a student in need of dependent coverage, an OPT participant or you are a Faculty member/scholar, you will be directed through the normal underwriting process.
In either situation above, the best way to expedite underwriting is to submit verification of your school status with your application.

Q: Once I'm approved for coverage do I have to go through medical underwriting again?

You do not need to go through medical underwriting when you re-enroll into your current plan design without changes. You may be medically underwritten again if you decide to select different benefits (see below). Plan changes can only be requested at time of re-enrollment.
If a member would like to increase benefits (by lowering a deductible) they must complete a new application. If a member would like to reduce their benefits, they do not need to complete a new underwriting application.

Q: How do I calculate out of pocket expenses and the annual limit?

Out-of-pocket expenses are defined as the expenses a member incurs when satisfying the plan's deductible and coinsurance requirements. The deductible and coinsurance level varies based on where treatment is delivered as shown in the table below. The total annual out-of-pocket expense limit is calculated by adding the deductible and coinsurance maximum together. In this example, it is $2,250. Deductibles must be satisfied before any benefit is paid. Coinsurance is applied as a percentage of the payable medical charges. This percentage is only applied to care delivered inside the U.S. and varies depending on whether the care is delivered in-network or out-of-network.

Table illustration

GeoBlue Navigator


Coinsurance Maximum

Outside U.S. Network

U.S.out of Network






Out of Pocket Expense Example
Member is covered under the GeoBlue Navigator 250 plan and receives services from an in-network hospital in the U.S.
Payable medical expenses are $20,000, the $250 deductible must be satisfied, and 20% coinsurance applies. A member is only responsible for $2250 in out-of-pocket expenses. This is due to the fact that there is a Coinsurance cap of $2,000.

Q: Will my policy automatically renew? At what rate?

You can enroll in a GeoBlue Navigator policy up to age 75. The policy does not automatically renew upon your request. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to our secure website. Plan rates are based on age at time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Navigator rates are standard rates for all members re-enrolling.

Q: When does my coverage end?

We may terminate your policy if:

  • You no longer meet the eligibility requirements
  • You fail to pay your premium
  • We discover that you committed fraud or misrepresented a material fact to us
  • We terminate the plan in your state or geographic service area

Q: Will my pre-existing condition be covered under a GeoBlue Navigator plan?

If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue will apply this prior coverage to the pre-existing conditions waiting period, provided you meet our medical underwriting criteria. We will also consider private health insurance issued in other countries as creditable coverage. We do 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.

Q: How do I access participating medical providers outside the U.S. and avoid claim forms?

When outside the U.S., GeoBlue has a network of doctors that includes almost every speciality you may need in over 180 countries. Only a small fraction of doctors around the world meet GeoBlue standards - participation is by invitation only. We seek out professionals certified by the American or Royal Board of Medical Specialties who speak English, and we factor in recommendations from over 140 Physician Advisors from all over the world. Then we assemble in-depth profiles so our members can choose with confidence, and we put formal contracts in place to ensure patient access. Once they've seen you, GeoBlue doctors bill us directly so you don't have to file a claim.

Direct billing can also be requested by calling the assistance telephone number listed on your member ID card, or by emailing Please note that in the U.S. a member can simply show their ID card at time of service and participating providers will only bill the member for any required deductible or co-payment.

Q: I am currently based in the U.S. Can you help me find participating doctors in my hometown?

When inside the U.S.*, GeoBlue members have cashless access to the Blue Cross and Blue Shield network in all fifty states. More than 96% of physicians and more than 91% of hospitals across the U.S. are a part of the BlueCard Network. You can find a doctor in the network by searching the Bluecard network.

*HTH Worldwide plans offer coverage inside the U.S. through the Aetna Passport PPO.

Q: I am trying to find a doctor in the U.S. in your network, but there is no one listed within 25 miles of where I am searching. What should I do?

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.

Outside the U.S., 100% coverage always applies after any applicable deductible or co-payment.

Q: I purchased a plan, but would like to cancel my insurance prior to its expiration. Will I have to pay any cancellation fees?

Any cancellation requests must be received by GeoBlue in writing via email, fax or regular mail. There are no cancellation fees or penalties. However, GeoBlue does not refund premium for a partial month. Retroactive cancellations are also not permitted.

Q: Are acts of terrorism covered under this plan?

Yes. The GeoBlue Navigator plan does not exclude illnesses or injuries related to terrorism or a terrorist act. In order to be covered in countries where there are open hostilities, such as Iraq and Afghanistan, a member must not be engaged in hostile or combative activities.

Q: How are medical evacuation decisions made?

The evacuation benefit pays for a medical evacuation to the nearest Hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

Q: Is birth control covered?

Use of birth control is not automatically excluded on the policy. GeoBlue reviews the medical condition for which birth control is being used. If it is being used solely as a contraceptive, it is excluded. If it is being used to treat an approved condition, it will be covered. In this instance, the member will have to pay for the prescription up front and submit a claim to GeoBlue, along with a letter from the prescribing doctor indicating the medical necessity of the contraceptive.

Q: How do I qualify for maternity benefits?

After 364 days of continuous coverage, GeoBlue Navigator members are eligible to enroll in a new plan that covers maternity costs in the same way as all other conditions. Members do not need to submit a new health statement. If you are coming directly off a HTH Student plan which included maternity, your wait period can be reduced or eliminated.

Q: What is the Global Citizens Association?

GCA is a not-for-profit association serving those who travel the world for business, study and leisure. GCA promotes health and safety around the world through online knowledge tools and email news alerts. GCA members also benefit from the Association's group purchasing programs for travel, insurance, entertainment and telecommunication services.

Q: Does this plan meet the Affordable Care Acts requirement for Minimum Essential Coverage?

This plan does not provide Minimum Essential Coverage and therefore does not meet the requirements of the Affordable Care Act (ACA). It is filed as a limited duration policy designed specifically for international living. Coverage by the insurer can be 1) accepted, 2) accepted with a rate increase, or 3) denied based on the health history of the applicants(s) ) (student only applicants can only be accepted or denied). A waiting period for pre-existing conditions applies unless you have 12 months of prior creditable coverage. There is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year. For international Students on a J1, F1 or M1 Visa, you are exempted from any tax penalty under the Affordable Care Act. For Americans abroad, there is no tax penalty for purchasing this policy if you are outside the U.S. for 330 days or more in a calendar year.


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.