Review of Global Citizen EXP from HTH Worldwide

Editor Review

The Good: A worldwide health insurance plan for emergency medical and preventative care individuals and families – the ‘EXP’ in the title stands for ‘expat’. Optional prescription drug benefits and global travel benefits included, as well as maternity benefits (after a 12-month waiting period). This plan ensures that you have ready access to quality health care no matter where in the world you roam.

The Drawbacks: Only available to U.S. citizens and permanent residents up to age 74. Coverage not available to residents of all states.

The Bottom Line: International major medical coverage for world travelers who are covered by a domestic U.S. health insurance plan or for those with no immediate plans to return to the U.S. This annual plan can also be a group employer-sponsored plan for employees of U.S. companies domiciled in an approved state.

Quote and buy direct: Get a quote directly at the HTH website. A good choice if you know you want an HTH plan and are ready to enroll.

Coverage

Benefits	Maximum
Medical expenses	$5,000,000
Emergency dental	$200/per tooth ($1,000 maximum)
Emergency evacuations	$100,000
Repatriation	$25,000
AD&D	$50,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Plan pays 100% of surgical, preventative, and outpatient care.
Choose deductible from $0 – $10,000.
Copayments waived when visiting an HTH Worldwide network provider.
Maternity benefits available after 12 months of continuous coverage.
Plan is renewable annually.
Includes coverage for mental, emotional, and nervous disorders, alcoholism and drug abuse (subject to a lifetime benefit of $80,000 and coinsurance).
Exclude coverage for treatment inside the U.S. for additional plan cost savings.
Includes bedside visit reimbursement up to $2,500 for eligible transportation and accommodations.
Includes acupuncture and chiropractic care up to $2,000 maximum.
Includes access to HTH Worldwide’s assistance services for contracted health pros, appointment scheduling, and international treatment options.
Includes HTH Global Health and Safety Resources – online assistance tools, health and security alerts, and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional outpatient prescription drug benefit provides100% coverage (80% inside the U.S.) up to an annual maximum of $3,000.

Limitations

The following are the limitations on this plan’s coverage:

A $10 deductible applies to office visits.
Physical and occupational therapy and treatment covered only up to $30 per visit and limited to 12 visits per year.