The Global Employer's Option - GEO Group

Worldwide employer-sponsored group health insurance

The Global Employer’s Option℠ (GEO) is a worldwide benefits program designed for groups of two or more internationally assigned employees.

In response to our global clients’ evolving needs, we have designed GEOSM Group, which offers a base plan and an alternative plan, plus additional coverage options. This customizable benefits package is specially designed for multinational employers seeking Global Peace of Mind® as their employees embark on their travels.

Highlights

  • Employer-sponsored group health insurance for internationally assigned employees
  • Dental, disability and life insurance available
  • Full group takeover and replacement provision
  • Qualifies as Minimum Essential Coverage (MEC)
  • Universal Rx pharmacy discount savings

Made for...

  • Employers / Business Travelers
  • Expats / Global Citizens

Coverage Information

Term Life and Accidental Death and Dismemberment Insurance

  • Available up to $250,000 per employee
  • 10 or fewer IMG insured employees:
    • $10,000 minimum required
  • 11 or more IMG insured employees:
    • No minimum required
  • Group Life coverage automatically offers:
    • Term Life Insurance Benefit
    • Accidental Death Benefit
    • Dismemberment Benefit
  • Guarantee Issue amounts up to $100,000
    • Additional underwriting for $100,001 - $250,000
  • Group Life can be issued as a flat amount
    (e.g. $50,000) or multiple of salary (e.g. 2 x salary)
  • ADEA Reduction Schedule (Age Discrimination in Employment Act of 1967)
    • Less than age 65: 100% of principal amount
    • Ages 65-69: 35% reduction
    • Ages 70-74: 55% reduction
    • Ages 75-79: 70% reduction
    • Age 80+: 80% reduction

Daily Indemnity Insurance

  • Benefit offers $100 for every overnight of eligible inpatient hospitalization
  • Cash benefit payable directly to the insured
  • $25,000 lifetime maximum benefit
  • Group Life Insurance required
Exclusions: Pregnancy or related conditions; hospitalization which begins before the day of a scheduled surgery or procedure; spouse and children are excluded.

Extensive Network Access

UnitedHealthcare

UnitedHealthcare provides travelers in the U.S. with direct access to one of the largest networks of providers in the U.S. that includes:

  • Over 1.4M physicians
  • 6,797 hospitals
  • Over 45,000 clinics
  • A streamlined claims process
  • 1,800 convenience clinics

International Provider AccessSM

Travelers outside of the US can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes:

  • Over 18,550 physicians and facilities
  • Direct billing arrangements that minimize time and upfront expense

GEO Platinum USA Benefits Rider

This rider is available to U.S.-based employers that wish to provide enhanced benefits more in line with U.S.-style healthcare plans. The rider adds the following benefits:

  • Unlimited lifetime maximum
  • 100% coverage for eligible preventive services
  • Extends dependent coverage up to age 26 provided dependent is not eligible under any other health care plan and a full-time student
  • Waives pre-existing condition limitations on children under the age of 19

Emergency Travel Assistance

Even the smallest disruption can be an emergency when your group members are abroad. We offer a complete array of emergency travel assistance services so they can spend more time enjoying their international experience and spend less time worrying about the smaller issues. Some services provided include:

  • Emergency travel arrangements
  • Lost passport/travel documents assistance
  • Lost luggage assistance
  • Embassy or consulate referrals
  • Emergency message relay
  • Emergency prescription replacement
  • Medical referrals
  • 24-hour medical monitoring
  • Emergency cash transfer and emergency translations
  • Legal referrals

Optional Group Dental

 

 

BenefitsOption 1
Dental Plan Pays
Option 2
Dental Plan Pays
Option 3
Dental Plan Pays
Class 1 Benefits
Diagnostic & Preventative Services100%100%100%
Class 2 Benefits
X-rays80%80%80%
Oral Surgery80%80%80%
Endodontics80%80%80%
Periodontics80%80%80%
Minor Restorative Services80%80%80%
Class 3 Benefits
Prosthodontics50%50%50%
Major Restorative Services50%50%50%
Classes 1, 2, 3: Maximum Benefit Per Person Per Calendar Year$1,000$1,000$1,500
Class 1 Deductible$0$0$0
Class 2, 3, 4 Deductible$50$50$50
Maximum Deductibles Per FamilyUp to 3Up to 3Up to 3
Class 4 Benefits
Orthodontia (to age 19)Not covered50%50%
Maximum Benefit Per Person Per LifetimeNot covered$1,000$1,500
 

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  • "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
  • "I took comfort in the fact
    that IMG had my back."

    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.