GeoBlue

Setting the industry standard, GeoBlue combines the latest mobile technology and worldwide healthcare expertise to deliver global medical assistance and health benefits that put the health, safety and convenience of world travelers first. GeoBlue's innovative approach opens the door to an elite community of thousands of carefully selected, contracted doctors and hospitals in almost every country in the world. GeoBlue also delivers exceptional service via toll-free multi-lingual customer support and its proprietary web-based administrative capabilities.

Their plans provide:

• "A-rated" coverage underwritten by licensed and admitted insurers in the United States.
• Superior benefits and services not available elsewhere.
• Unparalleled access outside the U.S. to leading doctors and hospitals, who contract with us and bill us for their services.

In terms of market, GeoBlue's long term plans are designed for those US nationals or temporary residents of the US who are :

• Expatriates Living / Working abroad
• Crew Members
• Missionaries
• Students or Faculty

For the market of short term travel, GeoBlue offers travel cover for single trips and multiple trips.

Blue Cross Blue Shield Global® is a brand owned by the Blue Cross Blue Shield Association, a national federation of 36 independent, community- based and locally operated Blue Cross and Blue Shield Companies.

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: made available in cooperation with Blue Cross and Blue Shield companies in select service areas.

Coverage is provided under insurance policies underwritten by:

• 4 Ever Life Insurance Company, or
• 4 Ever Life International Limited.

Expat Approved States

For the states of:

• Washington
• New York and
• Maryland,

an American expat returning to the US, can retain their GeBlue cover only until the renewal date of their policy, after which they would need to apply for a local Blue Cross plan.

NOTE: No inpat can be covered in these states by GeoBlue.

Covid 19 Update

• GeoBlue will cover, with no cost-share to members, medically necessary, prescribed diagnostic testing for the virus, known officially as COVID-19, consistent with U.S. Centers for Disease Control (CDC) guidelines.
• This coverage includes the cost of the COVID-19 test, physician/doctor consultation fee and associated costs related to administering the COVID-19 test.
• GeoBlue will waive prior authorizations for medically necessary, prescribed tests and covered services related to COVID-19, consistent with CDC guidelines.

To help reduce potential exposure, GeoBlue is encouraging members to utilize their telemedicine service, Global TeleMD™, which provides 24/7 confidential access to a global network of doctors around the world via telephone or secure video call.

Global TeleMD is available to their corporate and scholastic group enrolled members at no additional cost².

For a limited time, GeoBlue has expanded access to Global TeleMD to their non-enrolled Blue Cross Blue Shield Global Traveler members. This service is available to travelers now and is expected to expire on May 31, 2020.

Anxiety, panic and stress are common emotions members may experience during an outbreak, such as COVID-19.

Enrolled members have access to telephone emotional support services provided by trained counsellors³.

Members can access these services via the telehealth button on the GeoBlue mobile app or by logging on to the member portal and visiting the “Wellness” section.

GeoBlue wellness portal provides helpful links and resources including how to cope with stress during a disease outbreak and a new webinar titled: Keep Calm and Carry on – Maintaining your composure amidst the pandemic.

Political, Security and Natural DisasterPEND Coverage through Drum Cussac

The Political, Security and Natural Disaster coverage offered through Drum Cussac does not include evacuation coverage for crises related to medical or health reasons. However, if the local political or security situation would deteriorate to the point that one of the contract triggers was met, Drum Cussac would then provide coverage (subject to the limitations of the policy).

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¹Self-funded plans can opt-out of this program.

²Some self-funded groups may have opted out of this service.
³Some groups may have opted out of this service.

Global TeleMD services are provided by Teladoc Health. GeoBlue assumes no liability and

accepts no responsibility for information provided by Teladoc Health and the performance of the services by Teladoc Health. Support and information provided through this service does not confirm that any related treatment or additional support is covered under a health plan. To discuss the coverage under a health plan, members should contact us using the number on the back of their ID card. This service is not intended to be used for emergency or urgent treatment medical questions.

Emotional support services are provided by WorkPlace Options, an independent company, and is solely responsible for referring participants for counseling, coaching, work/life services and health assessments by providers who are appropriately licensed by local authorities. The evaluation and efficacy of any service delivered by a provider lies solely with the employee, spouse, dependent or other authorized party who inquires on behalf of those or other participants. GeoBlue shall have no responsibility or liability whatsoever for any aspect of the provider counseling, coaching, work/life services and health assessments or other similar services, or the counselor/participant relationship.

For more information, contact Ms Romi Gill romi.gill@navigator-insurance.com Tel +852 2530 2530