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A worldwide benefits program designed for groups of two or more internationally assigned employees
1 Day to 365 Days
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 comprehensive and customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.
Designed for
Highlights
We have provided global benefits and assistance services to millions of members in almost every country. We're committed to being there with our members wherever they may be in the world, helping to deliver Global Peace of Mind®. With 24/7 medical management services, multilingual claims administrators and highly trained customer service professionals, we are confident in our ability to provide the products international members need, backed by the services they want.
Benefit | Description | |
---|---|---|
Choice of Coverage Area | 1) Worldwide 2) Worldwide excluding U.S. & Canada 3) Country of Assignment | |
Lifetime Maximum Per Insured | $50,000 - $8,000,000 | |
Deductible/Coinsurance | ||
Deductible - Calendar Year | $0 - $25,000 | |
Deductible when using PPO Network inside the U.S. or Medical Concierge Provider | Deductible is reduced by 50% | |
Deductibles per Family | 3 Deductibles per Family | |
Deductible Carry Forward | If the Deductible has not been met during the Calendar Year, then Expenses incurred during the last 90 days of the Calendar Year will be applied toward satisfaction of the Deductible for the next Calendar Year | |
Coinsurance - Calendar Year | Treatment received outside the US: Plan pays 100% of Eligible Medical Expenses. Treatment received within the US: In the PPO Network - Plan pays 100% of Eligible Medical Expenses. Medical Concierge Provider - Plan pays 100% of Eligible Medical Expenses. Outside the PPO Network - Plan pays 80% of Eligible Medical Expenses and Insured pays 20% until $5,000 of Eligible Medical Expenses have been met, then the Plan pays 100%. This limits the Insured's out-of-pocket coinsurance maximum to $1,000. | |
In-patient/ Out-patient Services | ||
Hospital Room & Board | Within the U.S.: URC average private room rate, including nursing service. Outside of the U.S.: URC average private room rate, including nursing service, up to a maximum of 150% of the average semi-private room rate. | |
Intensive Care Unit | URC | |
Surgery | URC | |
Emergency Room | URC Additional $250 deductible applied if visit is a result of an illness and you are not admitted | |
Physician Visits | URC | |
Physical Therapy | $50 Maximum per visit | |
Diagnostic Procedures | URC | |
Home Nursing Care | URC | |
Local Ambulance | URC | |
Durable Medical Equipment | URC | |
Transplants | $1,000,000 lifetime maximum. Subject to special provisions | |
Mental & Nervous Disorder and Substance Abuse Available after 12 months of continuous coverage |
$20,000 Maximum Limit per Lifetime Outpatient Treatment: 50% patient responsibility, plan pays up to $100 Maximum per visit and maximum of 52 visits per Insured Person per Calendar Year Inpatient Treatment: $10,000 per Insured Person per Calendar Year. | |
Prescription Drugs | Outside the U.S.: URC Inside the U.S.: Must utilize Universal RX card. Copay (per 30 day supply): Tier 1 - $5; Tier 2 - 30%; Tier 3 - $50 plus 30%. Maximum Limit of 90 day supply per prescription. | |
Preventative Care for Adults Not subject to deductible and coinsurance | $250 per calendar year | |
Preventative Care for Children Not subject to deductible and coinsurance | $150 per calendar year | |
Hospital Indemnity (outside US only) | Private Hospitals: $400 per overnight and $4,000 Maximum Limit per Calendar Year. Public Hospitals: $500 per overnight and $5,000 Maximum Limit per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits. | |
Emergency Services | ||
Return of Mortal Remains to Home Country Not subject to deductible and coinsurance | $25,000 maximum | |
Political Evacuation & Repatriation Not subject to deductible and coinsurance | $10,000 lifetime maximum | |
Emergency Medical Evacuation Not subject to deductible and coinsurance | $1,000,000 lifetime maximum | |
Emergency Reunion | $10,000 lifetime maximum | |
Maternity | ||
Pregnancy & Childbirth Available after 10 months of continuous coverage | URC | |
Newborn's Care & Congenital Disorders | $250,000 Maximum Limit per Lifetime for Newborn's Care and Congenital Disorders during 31 days after birth | |
Additional Benefits | ||
Complementary Medical Service Maximum Limits Per Insured | Acupuncture: $150 Magnetic Therapy: $75 Herbal Therapy: $50 Massage Therapy: $150 Aroma Therapy: $50 Vitamin Therapy: $100 | |
Chiropractic Care Not subject to deductible and coinsurance | $25 per visit (maximum of 20 visits per policy period) | |
Vision Care Expenses Not subject to deductible and coinsurance | $100 Maximum Limit per 24 months for routine eye exams and $150 Maximum Limit per 24 months for corrective lenses, contacts to correct vision, and frames. | |
Supplemental Accident Benefit Not subject to deductible and coinsurance | $300 per covered accident | |
Dental Emergency | URC for necessary treatment due to accident |
Increasing premiums are a threat to your bottom line. Many of the cost savings solutions available today do not lower costs, but rather shift costs from the employer to the employee. The GEO Group Alternative Plan, a unique option offered exclusively by us, lowers plan costs instead of shifting them. It provides members with financial incentives to receive excellent medical care overseas, when appropriate. The Alternative Plan provides the same high-quality benefits as the traditional plan, with the following exceptions:
Dental Insurance | Option 1 | Option 2 | Option 3 |
---|---|---|---|
Calendar Year Maximum per Person | $1,000 | $1,000 | $1,500 |
Individual Deductible | $50 | $50 | $50 |
Family Deductible | $150 | $150 | $150 |
Schedule of Benefits | |||
Class I, Diagnostic, Preventive (Emergency Palliative Treatment - not subject to deductible) | 100% | 100% | 100% |
Class II, Basic Service (X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia) | 80% | 80% | 80% |
Class III, Major Services (Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)) | 50% | 50% | 50% |
Class IV Orthodontia (available to age 19 years) | 0% | 50% | 50% |
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:
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:
For travelers in the US, the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services, including:
Travelers outside of the US can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:
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:
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.
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.
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.
Certain contracts do contain a pre-existing condition exclusion and do not cover losses or expenses related to a pre-existing condition.
This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by International Medical Group, Inc. and its representatives throughout the world. © 2007-2016 International Medical Group, Inc. All rights reserved.
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