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Navigator Student

Worldwide Health Insurance for International Students and Faculty in the U.S. and Abroad

3 Months to 364 Days

Navigator Student is an innovator and leader in helping world travelers and expatriates stay safe and gain easy access to quality healthcare all around the world.

What is GeoBlue Navigator?

Complete, affordable worldwide coverage designed for students (including Optional Practical Training (OPT) status), teachers and faculty.

Why Choose GeoBlue Navigator?

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.

GeoBlue Navigator is the premier health plan for students and faculty because it combines these benefits with concierge-level medical assistance and easy access to the Blue Cross and Blue Shield provider network, the largest provider network in the U.S., and an elite community of carefully selected providers outside the U.S. GeoBlue Navigator gives students and faculty peace of mind, knowing they have the freedom to access top medical care no matter where their studies or assignments take them.

Does GeoBlue offer coverage for assignments shorter than 3 months?

For study or assignments inbound to the U.S., the minimum length of stay is 3 months under the GeoBlue Navigator plan. GeoBlue Voyager Choice provides coverage for students and faculty traveling outside of the U.S. for short-term research, study or international experience.

An experience well beyond that of traditional health insurance.

We provide unsurpassed service and the convenience of mobile technology to access the best medical care no matter what town, country or time zone.

Easy Access to an Elite International Provider Community
Accessing care in the United States

Certain GeoBlue plans allow members to access the Blue Cross and Blue Shield Blue Card PPO network within the United States. With BlueCard PPO, you can access in-network Blue Cross and Blue Shield doctors and hospitals across the U.S. so you can get the care you need when you need it. BCBS has built direct relationships with an expansive network of more than 1.7 million in-network providers, spanning every zip code in the United States. That's more board-certified doctors than any other health insurance company. While you can choose to see any provider you want, both in- and out-of-network, you’ll typically pay less when you go to a provider in the Blue Card PPO network.

Easy Access to an Elite International Provider Community

The administrator has an elite network of doctors from most every specialty ready to see you in over 190 countries. Only a small fraction of doctors around the world meet the administrator's exacting 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 by over 158 Physician Advisors from all over the world.

We assemble in-depth provider profiles so our members can choose with confidence, and we put formal contracts in place to ensure preferred patient access. The administrator doctors and hospitals bill us directly so you don't have to worry about filing a claim.

Emergency Evacuation and Centers of Excellence

The administrator coordinates emergency services with a worldwide network of contracted Regional Physician Advisors as well as air ambulance operators selected for their safety records. Members in need of life-saving medical intervention are treated in Centers of Excellence in the U.S. and around the world whenever possible.

Around-the-Clock Assistance Call Center

The administrator maintains a 24/7, toll-free call center to assist members with everything from routine requests to medical emergencies. Our staff has years of experience with international medical assistance and has close working relationships with its International Provider Community.

Complete, affordable worldwide coverage

Unsurpassed Member Services

Direct Pay- Paperless, Cashless, Convenient

Members can avoid paying out of pocket for care by using Direct Pay. Through this service participating providers outside the U.S. bill the administrator directly for covered medical treatment.

Personal Solutions

GeoBlue Navigator members enjoy a full range of Personal Solutions. Your online tool kit allows you to check medical symptoms, understand your health risks and access personalized prevention and wellness recommendations.

Informed Choice-To Get the Care You Need

If members experience unanticipated medical problems, they can request local, regional or global treatment alternatives through the Informed Choice service.

Travels with You

While traveling across the globe with the administrator's mobile app, members can quickly and conveniently find and access quality care using your mobile device.

Global TeleMDTM

In addition to the worldwide network of healthcare professionals available through the GeoBlue health plan, we've teamed up with Teladoc Health to bring members Global TeleMD, a telemedicine smartphone app that provides unlimited, 24/7/365 access to doctor consultations by telephone or video, at no additional cost. Doctors are available within and outside the U.S. Prescriptions may also be provided, as appropriate (subject to local regulations).

Why Choose the GeoBlue Navigator Plan?

A Recognized Leader

The administrator is a recognized leader in international health insurance and medical assistance services, serving hundreds of thousands of world travelers annually.

Highest Standards of Service

The administrator meets the highest expectations of quality. They have set new standards for international assistance services and for applying stringent criteria when contracting with doctors and hospitals.

World Class Healthcare

We have the expertise and capability to meet any medical need efficiently and effectively. This can be support for a minor issue or help for a major issue, not matter where you are.

Group Quotes Available

Educational organizations can cover groups with 25 or more enrollees. Group plan designs can be customized.

How the Plan Works

GeoBlue Navigator offers comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle. For detailed benefit schedule and rates, please see below. To calculate your total out-of-pocket expense, add the deductible and coinsurance maximum together as a total.

For families, the deductible and coinsurance maximum is a multiple of 2.5.

After 364 days of continuous coverage, Navigator members may re-enroll in a plan that matches their existing benefits.

Optional Dental/Vision Upgrade:

GeoBlue Dental and Vision benefits are designed to offer you coverage for common dental and vision care needs and to help you budget for dental services at all levels, preventive, basic and major.

Plan Highlights

  • Flexible options for plan length.
  • Plan options that meet F1 and J1 Visa requirements.
  • Unlimited annual and lifetime medical maximum.
  • Contraceptive services and supplies are covered.
  • Comprehensive mental health services included.
  • Choice to see any healthcare provider outside of the U.S. and access to the Blue Cross Blue Shield PPO network in the U.S.
  • Pre-existing conditions covered with proof of prior health insurance.
  • Illnesses and injuries related to terrorism are covered.
  • Includes prescription coverage. Optional dental, vision, and maternity coverage.
  • Unlimited telemedicine services.
  • Medically necessary COVID-19 testing and treatment is covered.

Choose the Proper Level of Coverage

GeoBlue Navigator offers comprehensive benefits and a range of deductible options that allow members to select the right amount of insurance coverage for their budget and lifestyle.

GeoBlue Navigator Options
Outside U.S.U.S. In-NetworkU.S. Out-of- Network

* Amounts paid to satisfy a deductible are credited to all other deductibles. Deductible waived for office visits.
** These plan choices meet and exceed the J1 Visa requirements.

How to Apply

Applications are available online or may be initiated by telephone or email. A personal check, money order or credit card number must accompany the application and must be sufficient to pay for one month of standard premium. The administrator will hold the form of payment until an underwriting decision is made. If your application is accepted, the payment will be applied to your account. Quotes obtained online or by telephone are advisory only. Actual premium is determined by the medical underwriting process.

The administrator will review your medical history as provided on the application and may request an Attending Physician's Statement. The administrator publishes standard premium rates for non-smokers. Smokers and other applicants with certain medical histories may be offered a plan at a higher rate. Not all applicants will be accepted. Your effective date of insurance will be on the 1st or 15th day of the month following underwriting approval.

Member Welcome Kit

When your application is accepted, the administrator will mail you and any family members covered under the plan a Welcome Kit with identification cards, a certificate of insurance and instructions on how to register online.

Procedures for filing a claim or requesting direct payment of participating providers will also be included.

About the Global Citizens Association

The Global Citizens Association is a national organization dedicated to promoting the interests of international travelers. Established more than 25 years ago, the GCA, is a not for profit affinity association located in Washington D.C., established to enhance global learning and lifestyles through safe and healthy world travel; to provide its members with useful international travel services and to make group international travel and health insurance coverages available to its members. Visit the GCA website to learn about the association's programs. This insurance is available only to GCA members and by enrolling, you will become a member. Association enrollment fees are included in the amounts charged for the insurance. You are not obligated to purchase any services or products from the GCA. The GCA is not affiliated with any insurance company.


GeoBlue Navigator is designed for extended living abroad. You can choose to enroll in a new plan when your existing plan expires. When you do, there are no medical questions and premium rates do not change based on your individual claims history. Your new rate will be the same as all persons covered in your rating class.

How Coverage Ends

Your coverage ends on the earlier of:

  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. The date the Policy terminates;
  4. The date of fraud or misrepresentation of a material fact by the Insured Person, except as indicated in the Time Limit on Certain Defenses provision.

Extension of Benefits

If an Insured Person is Totally Disabled on the date of termination of the Policy, coverage will be extended until the earlier of:

  1. The date payment of the maximum benefit occurs;
  2. The date the Insured person ceases to be Totally Disabled; or
  3. The end of 90 days following the date of termination.

Pre-existing conditions

The GeoBlue Navigator plan does not cover services for treatment of a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during 180 days immediately preceding the member's eligibility date.

Prior Health Insurance coverage

The 365-day pre-existing conditions period can be reduced or eliminated if you have been covered by a creditable group or individual health insurance plan.

For benefits, exclusions, eligibility and other important information, please see below.

GeoBlue Navigator Benefit Schedule

GeoBlue Navigator has three tiers of coinsurance: 100% outside the U.S., 80% in-network in the U.S., 60% out-of-network inside the U.S. All GeoBlue Navigator plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation.

The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. Please refer to chart above.

BenefitsOutside the U.S.In-Network, U.S.Out-of-Network, U.S.
Primary and Preventative Care - Insurer waives Deductible
Primary Care Office Visits - as many as 8 visits per Calendar YearAll except a $10 copay per visit1 All except a $30 copay per visit60% to Coinsurance Maximum then 100%
Preventative Care for Babies/Children: (Birth through Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Preventative Care For Adults: (Age 19 and Older) for Office Visits/examination, Immunizations as recommended by the Center for Disease Control (CDC), Routine Pap Smears, Annual Mammogram, PSA For Men, and Diagnostic lab work & X-rays done in conjunction with an office visit100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Travel Vaccinations, Subject to a Calendar Year Maximum of $500100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Annual Physical Examination Health Screening, Subject to a Calendar Year Maximum of $250 and limited to one per Calendar Year100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Urgent Care Facility100%All except a $75 copay per visit60% Coinsurance to Maximum then 100%
Outpatient Services - Insurer pays after the Deductible is Met
Outpatient Medical Care100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Inpatient Hospital Services - Insurer pays after the Deductible is Met
Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Inpatient Medical Emergency2100%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%
Other Services - Insurer pays after the Deductible is Met, unless noted
Ambulatory Surgical Center100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Physical/Occupational Therapy/Medicine, Limited to 6 visits per Calendar Year100%, No Deductible
Ambulance Service100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Durable Medical Equipment100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Mental, Emotional or Functional Nervous Disorders, Alcoholism or Drug Abuse - Insurer pays after the Deductible is Met, unless noted
Inpatient Mental Health100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Outpatient Mental Health100%, No Deductible
$10 Copayment1
100%, No Deductible
$30 Copayment
60% to Coinsurance Maximum then 100%
Inpatient Substance Abuse100%80% to Coinsurance Maximum then 100%60% to Coinsurance Maximum then 100%
Outpatient Substance Abuse100%, No Deductible
$10 Copayment1
100%, No Deductible
$30 Copayment
60% to Coinsurance Maximum then 100%
Outpatient Prescription Drugs - Insurer waives Deductible
Prescription Drug Benefit, Subject to $5,000 Maximum per Insured Person per Calendar Year, Maximum 90-day supply100% of actual charges100% of actual charges100% of actual charges
Global Travel Benefits - Insurer Waives Deductible
Accidental Death and DismembermentMaximum Benefit: Principal Sum up to $10,000
Repatriation of Mortal RemainsMaximum Benefit up to $25,000
Emergency Medical TransportationMaximum Lifetime Benefit for all Evacuations up to $250,000

1Copay waived when visiting a GeoBlue contracted provider outside the U.S.
2Emergency room visits that do not result in inpatient admissions will be subject to a $100 penalty.

This is intended to be a sample benefit schedule. Changes may occur to benefits, rates and terms annually.


Navigator Health Plan - Premium Estimates (Effective July 1, 2021)

Under 30$354$339$326$302$261$230

Child (when insured with parent)

One Child under Age 1$373$359$346$321$273$239
One Child 1-25$270$259$250$233$200$177
2 Children$446$431$413$385$329$291
3 Children$593$567$549$507$435$386


Participant Only$66Participant and Child$123
Participant and Spouse$130Participant and Family$219

Prices are subject to change.
All coverage and premium decisions are subject to medical underwriting.


933 First Ave.
King of Prussia, PA 19406


4 Ever Life International Limited


Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470

GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

Version: INDV1968-MEM-6/21

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