Understanding Your Market. Exceeding Your Expectations.
As an international employer, it's essential to provide the proper benefits to your employees. That's what attracts and retains top-level staff. To do so, you must ensure that they receive worldwide access to quality care, superior international claims administration and the financial stability you expect from an established leader in global insurance and assistance services.
We are dedicated to delivering exceptional health benefits, medical assistance and 24/7 customer care - all tailored to fit your unique needs. Because we perform all administration, customer service and emergency assistance functions in-house, we can ensure that your group members get the highest quality and most cost-effective care available. This also helps you control your group health care expenses now and into the future.
In response to our global clients' evolving needs, we have designed GEOSM Group, which offers a base plan and an alternative plan, plus additional coverage options. This customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.
Program Summary
Designed for
- Multinational employers with two or more employees
- Employees living and working outside of their home country
- Third country or key local nationals
- Independently contracted employees
Highlights
- Worldwide coverage area options
- Full group takeover/replacement provision available
- Waiver of pre-existing condition waiting periods for new employees with proof of prior coverage
- Medical History Disregarded underwriting option
- Dental, disability and life insurance available
- Universal Rx pharmacy discount savings
- Qualifies as Minimum Essential Coverage (MEC)
Why Us?
We have provided global benefits and assistance services to millions of members in almost every country. We are committed to being there with our members wherever they may be in the world, providing them Global Peace of Mind®. With 24/7 worldwide assistance and medical management services, multilingual claims administrators, and highly trained customer service professionals, we deliver the insurance products international members need, backed by the services they want.
- Global Support. With offices and partners across the globe, the administrator provides the support you need, when you need it. In fact, it’s our corporate mission to be there to protect and enhance your health and well-being.
- Service Without Obstacles. With a team of international, multilingual specialists, we are accustomed to working in multiple time zones, languages, and currencies. Our global reach means we can work without barriers.
- Financial Stability. Owned by SiriusPoint—an ‘A-’ rated, multibillion dollar global enterprise—the administrator offers the financial security and reputation demanded by international consumers. (SiriusPoint is the DBA of SiriusPoint Ltd.)
- Accessible Technology. Log online here to submit and view your claims, manage your account, search for providers, live chat with representatives, and more.
- International Emergency Care. When you’re away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.
Benefits Summary
The following benefits are offered to eligible insureds.
The plan charges for eligible medical expenses within the area of coverage.
All amounts are shown in U.S. dollars and subject to applicable deductible and coinsurance.
The plan charges for eligible medical expenses within the area of coverage.
All amounts are shown in U.S. dollars and subject to applicable deductible and coinsurance.
| Benefit | Description | |||
|---|---|---|---|---|
| Calendar Year | Maximum Limit: 365 days | |||
| Lifetime Maximum Per Insured | $50,000 - $8,000,000 | |||
| Extension of Benefits | Maximum Limit beginning on the first day of Total Disability, temporary layoff or leave of absence: 180 days Maximum Limit for a Spouse/or Dependent in the event of the Insured Person's death: 60 days | |||
| Continuation of Benefits | Maximum Limit after termination of employment: 12 months Refer to the Continuation Provision in this Certificate for complete qualification details | |||
Medical Concierge
| The Medical Concierge Service is a proprietary service of IMG that helps an Insured Person navigate the United States healthcare system to identify the highest quality providers for scheduled Inpatient and certain Outpatient Treatments. Refer to the MEDICAL CONCIERGE provision for further details. | |||
| Benefit Plan Features | ||||
| Benefit Levels | United States Medical Concierge | United States In-Network | United States Out-of-Network | International International |
| Deductible for Eligible Medical Expenses | ||||
| Deductible | $0 - $25,000 Deductible reduced by 50% or $2,500: PPO, Outpatient Treatment, Emergency Inpatient Treatment, Medical Concierge Provider | |||
| Family Deductible | Maximum 3 Deductibles per Family | |||
| Coinsurance for Eligible Medical Expenses | ||||
Coinsurance
| Plan pays 100%, Insured pays 0% | Plan pays 100%, Insured pays 0% | Plan pays 80%, Insured pays 20% | Plan pays 100%, Insured pays 0% |
| Out-of-pocket maximum | $0 | $0 | $1,000 | $0 |
| Precertification | ||||
| ||||
| Inpatient or Outpatient Services Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
| Eligible Medical Expenses | 100% | 100% | 80% | 100% |
| Physician Visits / Services | 100% | 100% | 80% | 100% |
Hospital Emergency Room
| 100% | 100% | 80% | 100% |
Hospitalization / Room & Board
| 100% | 100% | 80% | 100% |
| Intensive Care | 100% | 100% | 80% | 100% |
| Outpatient Surgical / Hospital Facility | 100% | 100% | 80% | 100% |
| Laboratory | 100% | 100% | 80% | 100% |
| Radiology / X-Ray | 100% | 100% | 80% | 100% |
| Pre-Admission Testing | 100% | 100% | 80% | 100% |
| Surgery | 100% | 100% | 80% | 100% |
Reconstructive Surgery
| 100% | 100% | 80% | 100% |
Assistant Surgeon
| 100% | 100% | 80% | 100% |
| Anesthetists | 100% | 100% | 80% | 100% |
Pregnancy and Childbirth
| 100% | 100% | 80% | 100% |
Pregnancy Complications
| 100% | 100% | 80% | 100% |
Newborn and Congenital Disorders
| 100% | 100% | 80% | 100% |
Durable Medical Equipment
| 100% | 100% | 80% | 100% |
Chiropractic Care
| Not applicable | 100% | 100% | 100% |
Physical Therapy
| Not applicable | 100% | 80% | 100% |
Extended Care Facility
| 100% | 100% | 80% | 100% |
Home Nursing Care
| 100% | 100% | 80% | 100% |
Hospice
| Not Applicable | 100% | 80% | 100% |
Transplant
| 100% | 100% | 80% | 100% |
|
Preventative Care NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Adult
| Not applicable | 100% | 100% | 100% |
Child
| Not applicable | 100% | 100% | 100% |
| Prescription Drugs and Medication Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
| Maximum Limit per Calendar Year | $250,000 per person | |||
| ||||
Outpatient or Inpatient Medication
| 100% | 100% | 80% | 100% |
United States Retail Pharmacy
| Universal RX (URX) Prescription Drug Card MUST be utilized for all Outpatient Prescription Drugs in the United States. Retail Pharmacy Copayments: Generic $5 Higher cost Generic and Brand 30% Non-Preferred Brand Name $50 plus 30% Copayments are per 30-day supply Dispensing Maximum per prescription: 90 days | |||
Expatriate Prescription Services Program
| Medication delivery to an international address when prescription is not available for purchase internationally Generic - Copayment: $5 Non-Preferred Brand Name - Copayment: $30 Copayment is per 30-day supply Dispensing Maximum per prescription: 180 days | |||
| Mental or Nervous, Substance Abuse and Counseling Subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
| Lifetime Maximum | $20,000 | |||
Inpatient Mental or Nervous / Substance Abuse
| 100% | 100% | 80% | 100% |
Outpatient Mental or Nervous / Substance Abuse
| Not applicable | 50% | 50% | 50% |
Bereavement Counseling
| Not applicable | 100% | 100% | 100% |
| Emergency Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Emergency Local Ambulance
| Not applicable | 100% | 80% | 100% |
Emergency Medical Evacuation
| Not applicable | 100% | 100% | 100% |
Emergency Reunion
| Not applicable | 100% | 100% | 100% |
Interfacility Ambulance Transfer
| Not applicable | 100% | 100% | 100% |
Political Evacuation and Repatriation
| Not applicable | 100% | 100% | 100% |
Return of Mortal Remains
| Not applicable | 100% | 100% | 100% |
| Other Services NOT subject to deductible and coinsurance unless otherwise noted Eligible medical expenses are limited to usual, reasonable, and customary amounts Maximum limits per calendar year or if indicated, per lifetime | ||||
| Benefit | Medical Concierge (Non-emergency) | In-Network | Out-of-Network | International |
Complementary Medical Services
|
Acupuncture: $150 Massage Therapy: $150 Vitamin Therapy: $100 Magnetic Therapy: $75 Herbal Therapy: $50 Aroma Therapy: $50 | |||
Emergency Dental
| Not applicable | 100% | 80% | 100% |
Hospital Indemnity
|
Private Hospital
Treatment received by the Insured Person at a Public Hospital and Charges are submitted to the Company for reimbursement will be subject to the Private Hospital Maximum Limit. | |||
Supplemental Accident Benefit
| Not applicable | 100% | 100% | 100% |
Vision Care
|
| |||
Dental Benefits
| Coverage Limit / Maximum Amount for Eligible Dental Expenses | ||
|---|---|---|
| Calendar year maximum limit | $1,000 - $1,500 | |
| Calendar Year Orthodontia Maximum Limit | $1,000 - $1,500 | |
Deductible
| $50 | |
Family deductible
| $150 | |
| Routine Services NOT Subject to Deductible Eligible Dental Expenses are limited to Usual, Reasonable and Customary Maximum Limits per Calendar Year or if indicated, per Lifetime | ||
| Benefit | Coinsurance | |
Diagnostic and Preventative Services
| Plan pays 100% | Insured pays 0% |
| Emergency Palliative Treatment | Plan pays 100% | Insured pays 0% |
| Minor Restorative Services Subject to deductible Eligible Dental Expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
| Benefit | Coinsurance | |
Minor Restorative Services
| Plan pays 80% | Insured pays 20% |
| Oral Surgery | Plan pays 80% | Insured pays 20% |
| Endodontics | Plan pays 80% | Insured pays 20% |
Periodontics
| Plan pays 80% | Insured pays 20% |
Radiographs
| Plan pays 80% | Insured pays 20% |
| Major Restorative Services Subject to deductible Eligible Dental Expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime | ||
| Benefit | Coinsurance | |
Major Restorative Services
| Plan pays 50% | Insured pays 50% |
Prosthodontics
| Plan pays 50% | Insured pays 50% |
| Orthodontia Services NOT subject to deductible Eligible Dental Expenses are limited to usual, reasonable, and customary Maximum limits per calendar year or if indicated, per lifetime Insured pays 50% | ||
| Benefit | Coinsurance | |
Orthodontia
| Plan pays 50% | Insured pays 50% |
Term Life and Accidental Death and Dismemberment Insurance
- Available up to $250,000 per employee
- 10 or fewer insured employees: $10,000 minimum required
- 11 or more insured employees: No minimum required
- Group Life coverage automatically offers:
- Term Life Insurance Benefit
- Accidental Death Benefit
- Dismemberment Benefit
- Guarantee Issue amounts up to $100,000
- Additional underwriting for $100,001 - $250,000
- Group Life can be issued as a flat amount (e.g. $50,000) or multiple of salary (e.g. 2 x salary)
- ADEA Reduction Schedule (Age Discrimination in Employment Act of 1967)
- Less than age 65: 100% of principal amount
- Ages 65-69: 35% reduction
- Ages 70-74: 55% reduction
- Ages 75-79: 70% reduction
- Age 80+: 80% reduction
Daily Indemnity Insurance
- Benefit offers $100 for every overnight of eligible inpatient hospitalization
- Cash benefit payable directly to the insured
- $25,000 lifetime maximum benefit
- Group Life Insurance required Exclusions: Pregnancy or related conditions; Hospitalization which begins before the day of a scheduled surgery or procedure; Spouse and children are excluded.
GEO Platinum USA Benefits Rider
This rider is available to U.S.-based employers that wish to provide U.S.-style health care plans to their international employees. The rider adds the following benefits:
- Unlimited lifetime maximum
- 100% coverage for eligible preventive services
- Extends dependent coverage up to age 26, provided dependent is not eligible under any other health care plan
- Waives pre-existing condition limitations on children under the age of 19
Emergency Travel Assistance Services
Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete menu of emergency travel assistance services to provide your employees and their families Global Peace of Mind®. Some of the services provided include:
- Emergency travel arrangements
- Lost passport/travel documents assistance
- Lost luggage assistance
- Embassy or consulate referrals
- Emergency message relay
- Emergency prescription replacement
- Medical referrals
- 24-hour medical monitoring
- Emergency cash transfer and emergency translations
- Legal referrals
Extensive Network Access
UnitedHealthcare
UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:
- Over 1.4M physicians
- 6,797 hospitals
- Over 45,000 clinics
- A streamlined claims process
- 1,800 convenience clinics
International Provider AccessSM
Travelers outside of the US can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:
- Over 18,550 physicians and facilities
- Direct billing arrangements that minimize time and upfront expense
Medical and Wellness Information Service
Among the benefits that GEO Group offers is a medical information service that group members can access. This service will allow them to consult with board-certified physicians, licensed psychologists, pharmacists, dentists, dieticians, and fitness trainers to assist them with any routine health related questions. This service is not meant to replace a family physician; instead it focuses on addressing your group members' concerns in a convenient manner and providing them with support to make informed decisions. Professionals will quickly respond to your group members' questions, refer them to specialists and get them the information they need - saving time and possibly preventing unnecessary office visits. Highlights include:
- Web-based medical tools including direct email access to doctors, psychologists, pharmacists, dentists, dieticians, and fitness trainers
- Available to employees, spouses and children 24 hours a day, 365 days a year
- Email response time: Normally two to four hours in U.S. time zones - 24 hour guarantee
- Searchable 3D medical video library with unlimited access to more than 250 videos
- Medical library with unlimited access to more than 2,200 topics
- Weekly Health Tips e-Newsletter sent via email
- Personal Health Record: gives physicians online access to personal health records in case of emergencies
- Healthy Lifestyle Assessment: Evaluates current health status
IMG Travel Intelligence
This plan has an app that gives you the tools and information you need to stay informed and minimize risk when away from home. It provides 24/7 support to keep users up-to-date about global developments no matter where they are in the world.
Travel Intelligence allows you to:
- Access detailed intelligence for 200+ countries
- Receive immediate assistance during a crisis via the in-app emergency hotline
- Stay informed of travel disruptions such as airline delays & cancellations
- Locate hospitals, police stations, & other safe haven information, including local emergency phone numbers
- Access pre-trip checklists, including reminders to prepare & store travel documents
Expatriate Prescription Services (EPS)
This concierge service provides GEO Group members with convenient access to high-quality, low-cost prescription drugs through an efficient delivery service that reaches more than 160 countries worldwide. This program is not insurance coverage; it is purely a discounted prescription service. Use of this service does not guarantee that medication is covered under the insurance plan.
Administrator
IMG9200 Keystone Crossing
Suite 800
Indianapolis, IN 46240
FOR ADDITIONAL INFORMATION
Insubuy®, LLC.P.O. Box 260649
Plano, TX 75026
Toll Free:
+1 (866) INSUBUY
Phone:
+1 (972) 985-4400
Fax:
+1 (972) 767-4470
Website:
www.insubuy.com
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
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