[Step 2 of 4...This post is part of our series, "A Guide to Finding the Right International Health Insurance Plans".]

Finding the most appropriate international health insurance plan takes some research and planning. It's known to be a bit more complicated than blindly pointing at one plan amidst many. You'll have a lot of questions about the benefits of each plan, and about your likeliness to be approved for coverage. Your North Star is to find the most appropriate plan and combination of benefits to meet your particular needs and budget.

Winter. Road signs over iced lake of Sankt Moritz. Wherever you want to go, be sure to put your feet inside a pair of Timberland.
Photo by Daniele Levis Pelusi / Unsplash

It is helpful to work with a licensed agent to help you gather quotes and guide you through the process, helping you to understand the available benefits, potential costs,  eligibility, and the application process. Gather quotes for plans from at least two international insurance carriers with robust provider networks in the country you will be living in, and perhaps even in your home country.

Make sure to clearly know the embedded and optional terms and limits of coverage in your quote. Including and shifting each of these could have a significant impact on the quoted monthly premium and on how comprehensive the coverage is. Beware of selecting a plan simply on the quoted cost or monthly premium. Choosing the wrong carrier or the least comprehensive benefits could end up costing you a lot more if you need to seek care and treatment.


GeoBlue

GeoBlue is a reputable, popular carrier for US citizens who are living abroad. These plans are standardly comprehensive, and you can adjust and/or add specific benefits, such as deductibles, out-of-pocket maximums, Full or Limited US Coverage, Prescription Drug upgrade, Dental & Vision benefits, which will impact the premium amount.

  • The GeoBlue Xplorer plans are built for expats, expat families, and global citizens. click here to quote the GeoBlue Xplorer plans
  • The GeoBlue Navigator plans are built for missionaries and career volunteers. click here to quote the GeoBlue Xplorer plans

GeoBlue plans include coverage for:

  • Preventive care, Hospitalization, Surgery, Physician Office Visits, Rx, Emergency Medical Evacuation, and more
  • Optional add-ons for US coverage, Prescription Drug upgrade, Dental & Vision
  • Pre-existing coverage *with proof of prior creditable coverage
  • Access to Profiled, Elite Providers in 190 countries who accept direct payment from GeoBlue

Cigna Global

Cigna Global is another reputable, popular carrier with plans designed for anyone living outside of their home country. Cigna Global plans incorporate what they call "modules", allowing you to select benefits to include, remove, and adjust. click here to quote Cigna Global plans

Cigna Global plans include coverage for:

  • Hospitalization, Surgery, Rx, and more
  • Optional add-ons for Preventive care, Physician Office Visits, Medical Evacuation, Vision & Dental
  • Pre-existing coverage *with proof of prior creditable coverage
  • Access to Cigna Global's medical network of over 1 million hospitals and medical
    professionals worldwide


Need assistance? For more information on international expat health insurance and our partner carriers, or to get a quote and work with a licensed Wanderwell advisor/agent, please visit Wanderwell at https://gowanderwell.com/global-citizen-plans.


Quick Links - A Guide to Finding the Right International Health Insurance Plans

Step 2. Which International Health Insurance plan is appropriate for me?


Related Posts: Reasons for Expats to Have International Health Insurance in the 2020's | A Guide to Finding the Right International Health Insurance Plans