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GEO GROUP The Global Employers Option

Employer Sponsored Group Insurance


The Global Employer's Option - A worldwide benefits program designed for groups of two or more internationally assigned employees

Who the plan is designed for :

  • Multi-national employers with two or more employees
  • Employees living and working outside of their home country
  • Third country or key local nationals
  • Independently contracted employees

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk. Don’t let your medical coverage be an uncertainty. Travel with one of ...

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Benefit
Choice of Coverage Area
  1. Worldwide
  2. Worldwide excluding U.S. & Canada
  3. Country of Assignment
Maximum Lifetime Benefit per person $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 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 U.S :
Plan pays 100%, and Insured pays 0% of Eligible Medical Expenses.
For Treatment received within the U.S.
In the PPO Network - Plan pays 100%, and Insured pays 0% of Eligible Medical Expenses.
Utilizing Medical Concierge Provider - Plan pays 100% and Insured pays 0% of Eligible Medical Expenses.
Outside the PPO Network - Plan pays 80%, and Insured pays 20% of Eligible Medical Expenses until reaching $5,000, then Insured pays 0%. Plan pays 100%.
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 Limit 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.
Adult Wellness
Not subject to deductible and coinsurance
$250 per calendar year
Child Wellness
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 limit
Political Evacuation & Repatriation
Not subject to deductible and coinsurance
$10,000 lifetime benefit
Emergency Medical Evacuation
Not subject to deductible and coinsurance
$1,000,000 lifetime maximum
Emergency Reunion $10,000 lifetime benefit
Maternity
Maternity Coverage
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 Person: 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
Vision
Not subject to deductible and coinsurance
Exams - Up to $100 per 24 months
Materials, frames, lenses, contacts - Up to $150 per 24 months
  • Worldwide coverage area options
  • Full group takeover/Replacement provision available
  • Waiver of pre-existing condition waiting periods for new employees with proof of prior coverage
  • Medical History Disregarded underwriting option
  • Dental, disability and life insurance available
  • Universal Rx pharmacy discount savings