Bro_mem_guide_student_inside_V2 2017 18 Dependent Member Guide
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SUNY Dependents | 2017-2018
International Health Insurance for Higher Education
GeoBlue® Student Member Guide
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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
Welcome to GeoBlue, a program designed to keep you safe and healthy throughout your
journey. Your GeoBlue® health insurance plan provides you access to global medical
expertise with responsive, multi-channel service. Download our app or register online to
learn about the extra care you receive when you travel with GeoBlue.
Your Guide to GeoBlue®
Getting Started
Important plan information and health tools
Getting Care
How to get care when you are in the U.S.
Accessing Self-Service Tools
Convenient online and mobile tools
Submitting a Claim
File a claim for reimbursement
Reviewing Plan Benefits
What is covered by your plan?
geobluestudents.com
This pamphlet contains a brief summary of the features and benefits for insured participants covered under your school health insurance. This is not a contract of
insurance. Coverage is provided under an insurance policy under which your school is a participating school. Coverage is provided under insurance policies issued by 4
Ever Life International Limited, Bermuda. Complete information on the insurance is contained in the Certificate of Insurance which is on file with the school and is made
available to all insured participants. If there is a difference between this program description and the certificate wording, the certificate controls. 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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life International Limited,
Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
Getting Started
Important plan information and health tools
Need help with registration?
Contact us for assistance:
Inside the U.S. call 1.844.268.2686
Outside the U.S. call +1.610.263.2847
customerservice@geo-blue.com
Get your GeoBlue ID card
It is important to have your GeoBlue ID card to access healthcare
services; you will need to present your ID card whenever you
receive medical care. This card can be accessed from multiple
sources:
• You can show, fax or email your ID card through the app
• Your ID card is available in the Member Hub on
www.geobluestudents.com
When you receive your ID card, please check the information for
accuracy. Call Customer Service if you find an error.
Download the GeoBlue app to register
Download our app from the Apple, Amazon or Google Play app
stores to put your plan in the palm of your hand:
• Display an electronic ID card
• Locate Blue Cross and Blue Shield providers and hospitals
within the U.S.
• Access global health and safety tools including translations,
drug equivalents, news and safety information
• Submit and track claims
You can also register online at www.geobluestudents.com.
Visit the GeoBlue Member Hub
Visit the Member Hub on www.geobluestudents.com to
view important plan information and to access convenient
self-service tools. Login with the username and password you
created when you registered through the app. If you have not
previously registered through the app, you can register directly
online.
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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
geobluestudents.com
*Certain limitations and exclusions apply to your coverage under this plan and may affect your coverage. Your Certificate of Insurance is on file with your school and in
the Member Hub on www.geobluestudents.com.
Getting Care
Get care when you are in the U.S.
Student health center
Many schools have student health centers on campus that can
conveniently provide everyday health services. Consult your
school’s resources for more specific information about facilities,
the care available and the coverage accepted.
Finding a provider
If you need care outside of what is available from your institution,
you also have access to the Blue Cross and Blue Shield network
within the U.S., Puerto Rico, and U.S. Virgin Islands. To find a
doctor or facility, visit the “Provider Finder” section in the Member
Hub on www.geobluestudents.com or in the app.
Contact us for assistance:
• Toll free within the U.S. call 1.844.268.2686
• Outside the U.S. call +1.610.263.2847
• customerservice@geo-blue.com
Scheduling an appointment with a Blue
Cross and Blue Shield provider
Call the provider to confirm they are in network and schedule
your appointment. At the time of service, you will need to show
the provider your GeoBlue ID card and tell them you are covered
by Blue Cross and Blue Shield.
Using an out-of-network provider
This typically results in a higher coinsurance and may result in
additional costs to you. If you receive care from an out-of-network
provider, you may need to pay out of pocket and submit a claim for
reimbursement. Click “How to File a Claim” in the Member Hub on
www.geobluestudents.com to download the appropriate claim
form. Submit claims electronically using the GeoBlue app or the “File
an eClaim” link on the Member Hub.
Prescription benefits
Present your ID card at any participating pharmacy and you will be
charged in accordance with your plan benefits.*
Paying for care - Glossary of terms
In the U.S., your health plan typically pays your medical bills for you
with the following exceptions:
• Copay or Copayment: The specific dollar amount you will pay at
the time of service.
• Coinsurance: The percentage of the cost you are responsible for.
• Deductible: An amount you are responsible to pay for eligible
expenses before the plan begins to pay.
• Out-of-Network Provider: Medical provider who is not
contracted with Blue Cross and Blue Shield companies.
This typically results in a higher coinsurance and may result in
additional costs to you.
See your Certificate of Coverage for details.
In the event of a medical emergency
If you have an emergency, dial 911 or go to the closest Emergency Room immediately. If you’re not sure whether your
situation is an emergency, dial 911 and let the call-taker determine if you need emergency help. Once you are safe,
call the Medical Assistance phone number for 24/7 care located on the back of your ID card. We will then take the
appropriate action to assist and monitor your medical care until the situation is resolved.
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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
Visit www.geobluestudents.com
or download the GeoBlue app
to access self-service tools for
navigating risks and finding the
best care options.
geobluestudents.com
Check your symptoms*
Translate symptoms into action with this authoritative triage
tool. You can decide to seek treatment in an emergency room,
schedule a doctor visit or employ home remedies.
Find a doctor or facility
Review detailed profiles of contracted doctors to find the best
match and then locate the office.
Translate medications
Find country-specific equivalents for prescription and
over-the-counter medications.
Translate medical terms and phrases
Translate hundreds of key medical phrases and terms into
the most widely spoken languages with audio clips and
transliterations.
Understand health and security risks
Receive daily alerts detailing the latest security and health
issues in your destination. View country or city profiles on crime,
terrorism or natural disasters.
Accessing Self-Service Tools
Convenient online and mobile tools
*Available on www.geobluestudents.com only.
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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
geobluestudents.com
Submitting a Claim
File a claim for reimbursement
eClaims
You can quickly and conveniently submit claims electronically, through the app or through the Member Hub on www.geobluestudents.com.
Scanned paper documents are delivered directly to our Claims Department and your eClaims are saved in the Claims section of the Member
Hub.
Choose “Claims” in the GeoBlue app or visit the “File an eClaim” section of the Member Hub on www.geobluestudents.com.
Email and fax
If you prefer to submit a claim via email or fax, a printable claim form and detailed instructions are available in the Member Hub on
www.geobluestudents.com.
Visit the “How to File a Claim” section of the Member Hub on www.geobluestudents.com and click “How do you file a claim with GeoBlue?”
to download the appropriate claim form.
Email: claims@geo-blue.com
Fax: +1.610.482.9623
Postal mail
If you prefer to submit a claim via postal mail, a printable claim form and detailed instructions are available in the Member Hub on
www.geobluestudents.com.
Visit the “How to File a Claim” section of the Member Hub on www.geobluestudents.com and click “How do you file a claim with GeoBlue?”
to download the appropriate claim form.
Claims Incurred Inside the U.S., Puerto Rico and the U.S. Virgin Islands:
GeoBlue, Attn: Claims Department, P.O. Box 1748, Southeastern, PA 19399-1748, USA.
Checking the status of your claim
To check your claim status, choose “Claims” in the GeoBlue app or visit the “View My Claims” section of the Member Hub on
www.geobluestudents.com.
All benefits and limits are stated per Individual Insured (Covered Person).
SCHEDULE OF BENEFITS
TABLE 1
Limits
Individual Insured
MEDICAL EXPENSES
Maximum benefit per Injury or Sickness $100,000
Per Injury or Sickness Deductible $50 per Injury or Sickness
EMERGENCY MEDICAL EVACUATION Maximum Benefit up to $1,000,000 per Coverage Year
EMERGENCY FAMILY TRAVEL ARRANGEMENTS Maximum Benefit up to $5,000 per Coverage Year
REPATRIATION OF MORTAL REMAINS Maximum Benefit up to $50,000 per Coverage Year
ACCIDENTAL DEATH & DISMEMBERMENT Maximum Benefit: Principal Sum up to $5,000
TABLE 2
MEDICAL EXPENSE BENEFITS
COVERAGE A – MEDICAL EXPENSES Certificate Limits+
Physician Office Visits After Deductible, 100% of the Reasonable Expenses
Treatment at an Urgent Care Facility After Deductible, 100% of the Reasonable Expenses
Hospital and Physician Outpatient Services After Deductible, 100% of the Reasonable Expenses
Inpatient Hospital Services After Deductible, 100% of the Reasonable Expenses
Emergency Hospital Services After Deductible, 100% of the Reasonable Expenses
+Payment of Covered Medical Expenses for Preferred Providers is based on the Insurer’s Negotiated Rate. Preferred Providers have agreed to accept
the Negotiated Rate as payment in full.
TABLE 3
MEDICAL EXPENSE BENEFITS
The benefits listed below are subject to coverage maximums, Deductible, Coinsurance, and Copayments listed in Tables 1 & 2 above.
MEDICAL EXPENSES Covered Person
Maternity Care for a Covered Pregnancy Same as any other illness
Complications of Pregnancy Same as any other illness
Inpatient treatment of mental and nervous disorders including
substance abuse Reasonable Expenses up to a maximum period of 60 days per
Coverage Year
MEDICAL EXPENSES Covered Person
Outpatient treatment of mental and nervous disorders including
substance abuse Reasonable Expenses up to a maximum period of 40 visits per
Coverage Year
Treatment of specified therapies, including acupuncture and
Physiotherapy Reasonable Expenses
Annual cervical cytology screening for women 18 and older Reasonable Expenses
Low dose mammography screening, one baseline mammogram
and one mammogram per year Reasonable Expenses
Colorectal cancer screenings Reasonable Expenses
Diabetic Supplies/Education Reasonable Expenses
Prostate screening tests Reasonable Expenses
Child Preventive and Primary Care Services Reasonable Expenses
Breast Reconstruction due to Mastectomy Reasonable Expenses
Medical treatment arising from participation in intercollegiate or
interscholastic sports Reasonable Expenses up to $1,500 Maximum per Coverage Year
Vaccinations and Immunizations as required by the sponsoring
organization* Reasonable Expenses
Repairs to sound, natural teeth required due to an Injury Reasonable Expenses
Outpatient prescription drugs including oral contraceptives and
devices Prescription Drug Program with the Copayment stated below
1. Generic Drugs All except a $10 Copayment per prescription
2. Brand Drugs All except a $20 Copayment per prescription
3. Injectibles All except a $10 Copayment per prescription
Medical treatment received in the Home Country, if NOT covered
by Other Certificate 100% of Reasonable Expenses up to $5,000 Coverage Year
Scalp Prosthesis Reasonable Expenses for scalp hair prosthesis for up to $500 per
Period of Coverage
Lead Screening Reasonable Expenses
Low Protein Food Products Reasonable Expenses
* Vaccination and Immunization Coverage: The following vaccinations/immunizations are covered as indicated in the Schedule of Benefits if
received while covered under the Certificate: Influenza vaccines (TIV - LAIV), Measles Mumps Rubella (MMR), Meningococcal conjugate vaccines
(MCV4), Human Papillomviurs (HPV, HPV4, HPV2).
EMERGENCY MEDICAL EVACUATION BENEFIT
If a Covered Person is involved in an accident or suffers a sudden, unforeseen illness requiring emergency medical services during the Period of
Coverage, while traveling outside of his/her home country, and adequate medical facilities are not available, the Administrator will coordinate and
pay for a medically-supervised evacuation, up to the Maximum Limit shown in the Schedule of Benefits, to the nearest appropriate medical facility.
This medically-supervised evacuation will be to the nearest medical facility only if the facility is capable of providing adequate care. The evacuation
will only be performed if adequate care is not available locally and the Injury or Sickness requires immediate emergency medical treatment, without
which there would be a significant risk of death or serious impairment. The determination of whether a medical condition constitutes an emergency
and whether area facilities are capable of providing adequate medical care shall be made by physicians designated by the Administrator after
consultation with the attending physician on the Covered Person’s medical conditions. The decision of these designated physicians shall be
conclusive in determining the need for medical evacuation services. Transportation shall not be considered medically necessary if the physician
designated by the Administrator determines that the Covered Person can continue his/her trip or can use the original transportation arrangements
that he/she purchased.
If following stabilization, when medically necessary and subject to the Administrator’s prior approval, the Insurer will pay for a medically supervised
return to the Covered Person’s permanent residence or, if appropriate, to a health care facility nearer to their permanent residence or for one-way
economy airfare to the Covered Person’s point of origin, if necessary.
We will pay Reasonable Charges for escort services if the Covered Person is a minor or if the Covered Person is disabled during a trip and an escort
is recommended in writing by the attending Physician and approved by the Insurer.
Transportation will be provided by medically equipped specialty aircraft, commercial airline, train or ambulance depending upon the medical needs
and available transportation specific to each case.
Transportation must be by the most direct and economical route.
As part of a medical evacuation, Our Administrator shall also make all necessary arrangements for ground transportation to and from the hospital, as
well as pre-admission arrangements, where possible, at the receiving hospital.
No more than one Emergency Medical Evacuation and/or repatriation is allowed for any single medical condition of a Covered Member during the
Period of Coverage.
Repatriation
Following any covered emergency evacuation, or at the if deemed appropriate by Our or Our designee’s medical directly, We will pay for
one
of the
following:
1.
If it is deemed Medically Necessary and appropriate by Our or Our designee’s medical director, You will be transferred to your permanent
residence via a one-way economy airfare or;
2.
You will be transferred back to your original location or the location from which you were evacuated via a one-way economy airfare.
If Your transportation needs to be medically supervised a qualified medical attendant will escort you. Additionally, if We and/or Our designee,
determines a mode of transport other than economy class seating on a commercial aircraft is required, We or Our designee will arrange accordingly and
such will be covered by Us.
Transportation shall not be considered Medically Necessary if
We or Our designee’s medical director
determines that
the Covered Person can continue his/her trip or can use the original transportation arrangements that he/she purchased.
Transportation due to Felonious Assault: If You are the victim of a Felonious Assault during Your Period of Coverage and You no longer can
complete Your trip or program, subject to verification by the Administrator, We will pay for You to return home from Your current location to your
Home County. Felonious Assault is an act of violence against You. Your return home will be via the most direct and economical means possible,
less any refundable return ticket fees available to You.
Return of Dependent Children:
If the Covered Person has minor children who are left unattended as a result of your injury, illness or medical
evacuation, We or Our designee will arrange and pay for the cost of economy class one-way airfares for the transportation of such minor children to Your
Home Country or Country of Assignment.
With respect to this provision only, the following is in lieu of the Certificate’s Extension of Benefits provision: No benefits are payable for Covered
Expenses incurred after the date the Covered Person’s insurance under the Certificate terminates. However, if on the date of termination the
Covered Person is Hospital Confined, then coverage under this benefit provision continues until the earlier of the date the Hospital Confinement
ends or the end of the 31st day after the date of termination.
EMERGENCY FAMILY TRAVEL ARRANGEMENTS
If We determine that You are expected to require hospitalization in excess of 3 days at the location to which You are to be evacuated, an
economy round-trip airfare will be provided to the place of hospitalization for an individual chosen by You. If Your Dependent Child is evacuated,
one economy round-trip airfare will be provided to a parent or legal guardian regardless of the number of days that the Dependent child is
hospitalized.
If We determine that You are expected to require hospitalization
due to an Injury or Sickness for more than 3
days or are in critical condition while
traveling outside of Your Home country, the Insurer will pay up to the maximum benefit as listed above for the cost of one economy round-trip air fare
ticket to, and the hotel accommodations in, the location of Your hospital confinement for one person designated by You. Payment for meals, ground
transportation and other incidentals are the responsibility of the family member or friend.
With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Covered Persons on that trip. The
determination of whether the Covered Member will be hospitalized for more than 3 days or is in critical condition shall be made by the Administrator
after consultation with the attending physician. No more than one (1) visit may be made during any Period of Coverage. No benefits are payable
unless the trip is approved in advance by the Plan Administrator.
REPATRIATION OF MORTAL REMAINS BENEFIT
If a Covered Person dies while covered under this Certificate, We will pay the necessary expenses actually incurred, up to the Maximum Limit shown
in the Schedule of Benefits, for the preparation of the body for burial, or the cremation, and for the transportation of the remains to the Covered
Person’s Home Country. This benefit covers the legal minimum requirements for the transportation of the remains. It does not include the
transportation of anyone accompanying the body, urns, caskets, coffins, visitation, burial or funeral expenses. Any expense for repatriation of
remains requires approval in advance by Us or Our designee.
No benefit is payable if the death occurs after the Termination Date of the Certificate. We will not pay any claims under this provision unless the
expense has been approved by the Administrator before the body is prepared for transportation.
PRE-EXISTING CONDITION LIMITATION
Pre-existing Condition Limitation
The Insurer does not pay benefits for loss due to a Pre-existing Condition during the first 6 months of coverage. Pre-existing Conditions will be
covered after the Covered Person’s coverage has been in force for 6 months, a Pre-Existing Injury or Sickness covered after the Pre-Existing waiting
period, will be subject to the same limitations and exclusions as an Injury or Sickness incurred during Coverage under this Plan. The origin, cause,
or nature of the Pre-Existing Injury or Sickness will be used to determine the applicable Coverage, limitations, and exclusions.
Note: The Pre-Existing Condition Limitation will be waived if a written request/application for dependent coverage is submitted within 30 days
following the date on which the Dependent becomes eligible for coverage starting on the Eligible Participant’s effective date of coverage.
This limitation does not apply to the Medical Evacuation Benefit, the Repatriation of Remains Benefit and to the Bedside Visit Benefit.
GENERAL CERTIFICATE EXCLUSIONS
Unless specifically provided for elsewhere under the Certificate, the Certificate does not cover loss caused by or resulting from, nor is any premium
charged for, any of the following:
1. Surgery for the correction of refractive error and services and prescriptions for eye examinations, eye glasses or contact lenses or hearing aids,
except when Medically Necessary for the Treatment of an Injury.
2. Cosmetic surgery and therapies. Cosmetic surgery or therapy is defined as surgery or therapy performed to improve or alter appearance or self-
esteem or to treat psychological symptomatology or psychosocial complaints related to one’s appearance.
3. For diagnostic investigation or medical treatment for reproductive services, infertility, fertility, or for male or female voluntary sterilization
procedures, or the reversal male or female voluntary sterilization procedures.
4. Expenses incurred for, or related to gender reassignment surgery.
5. Infertility, Assisted Reproduction And Sterilization Reversal
a. Treatment of infertility, including procedures, supplies and drugs;
b. Any assisted reproduction techniques, regardless of reason or origin of condition, including but not limited to, artificial insemination, in-vitro
fertilization, and gamete intra-fallopian transplant (GIFT) and any direct or indirect complications thereof;
Please Note: This exclusion does not apply to the diagnosis of infertility or the surgical correction of a condition causing infertility. This would be
treated the same as any other medical condition.
6. Treatment to the teeth, gums, jaw or structures directly supporting the teeth, including surgical extraction’s of teeth, TMJ dysfunction or skeletal
irregularities of one or both jaws including orthognathia and mandibular retrognathia, unless otherwise noted.
7. Loss due to an act of war; service in the armed forces of any country or international authority and Participation in a Riot or Civil Commotion.
8. Riding in any aircraft, except as a passenger on a regularly scheduled airline or charter flight.
To the extent that such payments would be prohibited by law
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. GeoBlue is the administrator of coverage provided under insurance policies issued in the District of Columbia by 4 Ever Life
International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
This coverage is offered to the members of the Global Citizens Association, Washington, D.C.
100 Matsonford Road, One Radnor Corporate Center,
Suite 100, Radnor, PA 19087
©2016 GeoBlue
For questions about your medical plan:
Toll free within the U.S. call 1.844.268.2686
Outside the U.S. call +1.610.263.2847
customerservice@geo-blue.com
