Navigator Health Plan | FAQ

Who is eligible to buy a GeoBlue NavigatorSM plan?

Individuals who are 75 years of age or younger at the time of application who are planning to reside outside of their home country for at least 3 months per year, and must be involved in educational activity.

This includes:

• International Students living in the U.S.
• International Faculty and Research Scholars in the U.S.
• Optional Practical Training (OPT) Participants living in the U.S.
• U.S. Students and Faculty, planning on studying outside the U.S., applying from either inside or outside the U.S.

How long will the medical underwriting process take?

Once the application is received, we will typically respond within 24-48 hours. In some cases additional information is requested, and in cases like these, the time will depend on when this is received. 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.

How do I qualify for maternity benefits?

After 364 days of continuous coverage, GeoBlue Navigator members may apply for a new plan that covers maternity costs up to $25,000 per pregnancy for all inpatient and outpatient care related to a covered pregnancy. This is inclusive of pre-natal care, delivery and post-natal care.

Will my policy automatically renew? At what rate?

You can enroll in a GeoBlue Navigator plan 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.

Can I cancel my plan?

Yes, you may cancel your plan at any time. If you are paying in monthly installments, please note there are no partial refunds for monthly payments. Your cancellation request must be received prior to your premium due date. Please note, we cannot accept cancellation requests over the phone. To cancel your plan, please send us an email at info@internationalstudentinsurance.com.

Who is the insurance company?

GeoBlue Navigator is underwritten by 4 Ever Life International Limited (4ELI). 4ELI is an independent licensee of the Blue Cross and Blue Shield Association and a wholly owned subsidiary of BCS Financial Corporation. BCS is owned by a consortium of Blue Cross and Blue Shield plans and the Blue Cross Blue Shield Association. 4 Ever Life International Limited is an A.M. Best “A-” rated (Excellent) carrier.

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

If you were previously covered by a primary health plan that issues you a Certificate of Creditable Coverage, GeoBlue will credit you for this prior 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 2 months of creditable coverage, your waiting period will be reduced from 12 months to 10 months.

Am I guaranteed to be issued GeoBlue Navigator coverage if I apply?

No, GeoBlue Navigator is not a guaranteed issue plan. Each application is medically underwritten.

Your application may be:

1. accepted,
2. accepted with a rate increase due to your health status,
3. or denied.

Is the quote I receive binding?

No. The quote you receive may not apply if:

1. you misstated a material fact on your application, or
2. we increase the rate due to your health status.

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).

For international Students on a J1, F1 or M1 Visa, you are exempted from any tax penalty under the Affordable Care Act. For U.S. Citizens 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.

How can I find doctors/hospitals in the network?

GeoBlue’s Global Health and Safety services help members identify, access and pay for quality healthcare all over the world, including a contracted community of elite providers in 180 countries. Members can access these carefully-selected providers and arrange for the bills to be sent directly to GeoBlue. Please note that in the U.S. a member can simply show his/her ID card at time of service and participating providers will only bill the member for any applicable deductible or copayment. Members have access to the Blue Cross and Blue Shield Network.

Whether overseas or in the U.S., members can choose to use any doctor or hospital. Members are never restricted to a network. Please see the benefit schedules to see how coinsurance may apply.

Do these plans meet the J-1 program Visa requirements?

Yes, the plan benefits will meet and exceed the J visa insurance requirements as long as you choose a deductible of $500 or less.

How do I order my prescriptions when I need them?

Your GeoBlue Navigator plan comes with outpatient prescription drug coverage up to 100% of actual charges up to an annual max of $5,000 (90 day Max — Insurer waives deductible). To access prescription drugs at a retail pharmacy inside of the U.S.; Locate a participating pharmacy online at www.universalrx.com . Present your medical ID card to the participating pharmacy and pay your copay.

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To access mail order prescription drugs outside the U.S.:

• Online: Complete the online order form at www.expatps.com .
• Email: Email a copy of your prescription(s) to eps@universalrx.com.
• Phone: Call an EPS representative to order within the U.S. at 540-777-1450; Hours: 8:30am–5:00pm EST, USA.
• Fax: Fax your prescription(s) to: Universal Rx, Attention: EPS Team, 540-777-7184.