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Major Medical
 

The GeoCare International Group program has been designed to meet the special needs of the associations' members (actively working, full-time expatriates, third country nationals and key local nationals) as well as their families who either reside with the members abroad or remain in the United States.

Rutherfoord International has partnered with HTH Worldwide to offer the Global Citizen Exp product, a renewable comprehensive coverage in and out of the U.S., up to a $5,000,000 limit.

 

Click here for more details, you can apply on-line.

Global Citizen Health Plan Benefits

Features

Outside U.S.

U.S.(In Network)

U.S.(Outside Network)

Lifetime Maximum per Insured Person

$5,000,000

$5,000,000

$5,000,000

Preventive and Office Visits

Insurer Waives Deductible

Physician Office Visits (Adult)

All except a $10 copay per visit1

All except a $30 copay per visit

60% to Out-of-Pocket Maximum then 100%

Physician Office Visits (Children 0-18)

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Child Immunizations, Lab work & X-rays

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Women: (25 and Older)
Routine Pap Smears, annual mammogram

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

PSA for Men

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

One Routine Physical Per Year

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Professional Services

Insurer Pays After Deductible is Met

Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work.

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Inpatient Hospital Services

Insurer Pays After Deductible is Met

Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

In-patient medical emergency6

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

In-patient drugs

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Ambulatory and Therapeutic Services

Insurer Pays After Deductible is Met

Ambulatory Surgical Center

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Ambulance Service

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Accidental Dental

$1,000 per year, $200 per tooth

$1,000 per year, $200 per tooth

$1,000 per year, $200 per tooth

Acupuncture and Chiropractic Services

100% up to $2000

100% up to $2000

100% up to $2000

Durable Medical Equipment

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Infusion Therapy

100%

80% to Out-of-Pocket Maximum then 100%

60% to Out-of-Pocket Maximum then 100%

Physical/Occupational Therapy

$30/visit, 12 visits per year

$30/visit, 12 visits per year

$30/visit, 12 visits per year

Basic Prescription Drug Benefit

50% of actual charges up to $500

$0

$0

Optional Prescription Drug Benefit

Insurer Waives Deductible

Subject to $5,000 Maximum Benefit per Insured Person per Policy Period.

100% of actual charges

Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%

Generics: 100% after $10 copay
Brandname: 100% after $25 copay
Injectables: 70%

Global Travel Benefits

Insurer Waives Deductible

Medical Evacuation

Up to $100,000

n/a

n/a

Repatriation of Remains

Up to $25,000

n/a

n/a

Accidental Death and Dismemberment

$50,000

$50,000

$50,000

 

Global Citizen
Plan 1,2,3,4,5

Deductible

Coinsurance Maximum

Outside U.S.

U.S.in Network

U.S.out of Network

Elite

$0

$0

$1,000

$2,000

500

$250

$500

$1,000

$3,000

1,000

$500

$1,000

$2,000

$4,000

2,000

$1,000

$2,000

$4,000

$8,000

5,000

$2,500

$5,000

$10,000

$10,000

10,000

$10,000

$10,000

$10,000

$10,000

25,000

$25,000

$25,000

$25,000

$10,000

 
1. Copay waived when visiting an HTH Worldwide contracted provider.
2. Deductibles are Per Person per Policy Period.
3. The Out of Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. A family is charged a maximum of 2.5 deductibles.
4. Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirement.
5. An Insured Person only has to satisfy his/her Out of Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
6. Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty
 

Participating and Non-Participating Providers

Inpatient Benefit

Outpatient Benefit

Mental Health

100% up to 20 days per year

80% up to 30 visits per year

Substance Abuse

100% up to 12 days of detox

80% up to 30 visits per year

 

Other Benefits

Limits

Home Health Care

100% Covered Expenses, as many as 30 visits per year

Skilled Nursing Facilities

100% with a maximum Covered Expense of $250 per day, as many as 50 days per year

Hospice

100% with a maximum Covered Expense of $5,000 per lifetime

Maternity Benefits

After 12 months of continuous coverage, Global Citizen members may renew their coverage or apply for a new plan that covers maternity costs in the same way as all other medical conditions.

To be eligible for the maternity benefit, a member must not be pregnant at the time of upgrade.

Services provided in addition to the benefits above

Ready access to quality care

  • Access to HTH Worldwide's global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 178 countries.
  • Detailed provider profiles including medical training.
  • Personalized appointment scheduling and recruitment.
  • Fully profiled international treatment options.
  • Competitive U.S. PPO network and centers of excellence.
  • Emergency evacuation.
  • View More Details

HTH Global Health and Safety Resources

  • Online assistance tools with full telephone support.
  • Daily email of health and security alerts
  • Detailed descriptions of health facilities and security issues by destination
  • Translation databases for brand name drugs and medical terms/phrases.
  • Web pages capturing key personalized HTH Resources by destination.
  • View More Details

General Limitations

Covered expenses do not include expenses made for or in connection with services rendered for a dependent if the insured member has not purchased dependent insurance at the time the medical services for that dependent were rendered.

 

Covered expenses do not include any charges:

    a)      to the extent they exceed the reasonable and customary charges;

    b)      to the extent they are for the unnecessary care, treatment or surgery.

 

Covered expenses do not include and no payment will be made for expenses incurred for or charges made in connection with:

  • Injury or illness arising out of or in the course of employment for wage or profit when compensable by a program such as Workers compensation;
  • Services rendered by a hospital owned or operated by the United States or any Government, if such charges are directly related to military service;
  • Services for which the payment is unlawful where the person resides;
  • Services for which a person is not legally required to pay;
  • Charges which would not otherwise be paid in the absence of insurance;
  • To the extent that an insured member or dependent is in no way paid or entitled to payment for those expenses by or through a public plan;
  • To the extent of the exclusion imposed by any pre-certification requirement;
  • Surgery which exceeds a certain maximum when two or more surgical procedures are performed at one time;
  • An assistant surgeon whose charges exceed 20% of the surgeons allowable charge;
  • Speech therapy, if such therapy is not restorative in nature;
  • Any medical provider who is a member of the insureds or dependents family;
  • Treatment of an Illness or Injury resulting from war or any act of war, declared or undeclared.

Pre-Existing Conditions

A pre-existing condition is defined as an injury or illness for which a covered person receives treatment, incurs expenses or receives a diagnosis from a physician during the 90 days prior to the effective date of insurance.  A pre-existing condition is also an on-going pregnancy, declared or not, on the effective date of insurance.

 

Any expenses incurred for or in connection with a pre-existing condition are not covered until:

    a)      a continuous period of 6 months has elapsed during which no medication, treatment, or related expenses have incurred; or

    b)      a one-year period has elapsed during which the insured member has been continuously insured under the policy.

 

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