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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.
| Features |
Outside U.S. |
U.S.(In Network) |
U.S.(Outside Network) |
| Lifetime Maximum per Insured Person |
$5,000,000 |
$5,000,000 |
$5,000,000 |
| Preventive and Office Visits |
Insurer Waives Deductible |
| Physician Office Visits (Adult) |
All except a $10 copay per visit1 |
All except a $30 copay per visit |
60% to Out-of-Pocket Maximum then 100% |
| Physician Office Visits (Children 0-18) |
100% |
80% to Out-of-Pocket Maximum then 100% |
60% to Out-of-Pocket Maximum then 100% |
| Child Immunizations, Lab work & X-rays |
100% |
80% to Out-of-Pocket Maximum then 100% |
60% to Out-of-Pocket Maximum then 100% |
Women: (25 and Older)
Routine Pap Smears, annual mammogram |
100% |
80% to Out-of-Pocket Maximum then 100% |
60% to Out-of-Pocket Maximum then 100% |
| PSA for Men |
100% |
80% to Out-of-Pocket Maximum then 100% |
60% to Out-of-Pocket Maximum then 100% |
| One Routine Physical Per Year |
100% |
80% to Out-of-Pocket Maximum then 100% |
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 and 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 $100,000 |
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 |
Global Citizen
Plan 1,2,3,4,5 |
Deductible |
Coinsurance Maximum |
| Outside U.S. |
U.S.in Network |
U.S.out of Network |
| 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 |
1. Copay waived when visiting an HTH Worldwide contracted provider.
2. Deductibles are Per Person per Policy Period.
3. 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.
4. 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.
5. 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.
6. Emergency room visits that do not result in inpatient admissions will be subject to a $50 penalty
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| Participating and Non-Participating Providers |
Inpatient Benefit |
Outpatient Benefit |
| 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 |
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| 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
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