Global Citizen - Benefits

The Global Citizen plan offers a range of comprehensive benefits, please see below for a list of the main coverage areas:

Eligibility

Available to individuals age 74 or younger, and their Eligible Family Members. For more information, please see our eligibility criteria.

PPO Network

The Global Citizen plan provides access to doctors in the USA under the Aetna Network (search Aetna Standard Plans/Open Choice PPO). The Aetna Passport PPO is one of the largest networks available and provides access to more than 700,000 doctors and 4,400 hospitals.

Benefits

Listed below is what the insurance will pay for each listed benefit.

	Outside USA	Inside USA (In Network)	Inside USA (Out Network)
Lifetime Maximum per Insured Person	Unlimited	Unlimited	Unlimited
	Preventative and Primary Care – Deductible is not applicable
Preventative Care For Babies/Children: (Birth to Age 18) Office Visits/examination Immunizations, Lab work & X-rays	100%	80% to Out-of-Pocket Maximum then 100%s	60% to Out-of-Pocket Maximum then 100%
Preventative Care For Adults: (Age 19 and Older) Routine Pap Smears, annual mammogram PSA For Men Annual Physical Examination/Health Screening Diagnostic lab work & X-rays	100%	80% to Out-of-Pocket Maximum then 100%	60% to Out-of-Pocket Maximum then 100%
Primary Care Office Visits	All except a $10 copay per visit¹	All except a $30 copay per visit	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 & 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 $250,000	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

Plan Deductible Options

	Outside USA	Inside USA (In Network)	Inside USA (Out Network)	Coinsurance Max
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

Copay waived when visiting an HTH Worldwide contracted provider.
Deductibles are Per Person per Policy Period.
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.
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.
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.
Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty

Mental Health	Inpatient	Outpatient
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 a female member can choose to upgrade to a plan with maternity benefits.
In order to qualify for the maternity benefit upgrade, an applicant must complete a health statement indicating that they are not pregnant at time of upgrade.
After upgrading, members will be entitled to a lifetime maximum of $5,000,000 of maternity benefits. Newborn children will be covered automatically in the first 31 days. Well baby visits will be covered up to the policy maximum without a waiting period.

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.

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.

Ten Day Money Back Guarantee

YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our Global Citizen Product, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of your policy effective date. If you have not already used your insurance benefits, you will receive a full refund

Any Questions?

Plan Documents