The Global Employer's Option - GEO Group

Comprehensive worldwide employer-sponsored group health insurance

Summary of Benefits

All amounts shown are in U.S. dollars.

Plan Information
 
Choice of Coverage Area 1) Worldwide 2) Worldwide excluding U.S. & Canada 3) Country of Assignment
Maximum Lifetime Benefit per person $50,000 - $8,000,000
Deductible/Coinsurance
 
Deductible - Calendar Year $0 - $25,000
Deductible when using PPO Network inside the U.S. or Medical Concierge Deductible is reduced by 50%
Deductibles per Family 3 Deductibles per Family
Deductible Carry Forward If the Deductible has not been met during the Calendar Year, then Expenses incurred during the last 90 days of the Calendar Year will be applied toward satisfaction of the Deductible for the next Calendar Year
Coinsurance - Calendar Year Treatment received outside the U.S.:
Plan pays 100%, and Insured pays 0% of Eligible Medical Expenses.
For Treatment received within the U.S.:
In the PPO Network – Plan pays 100%, and Insured pays 0% of Eligible Medical Expenses.
Utilizing Medical Concierge Provider – Plan pays 100% and Insured pays 0% of Eligible Medical Expenses.
Outside the PPO Network – Plan pays 80%, and Insured pays 20% of Eligible Medical Expenses until reaching $5,000, then Insured pays 0%. Plan pays 100%.
In-patient/ Out-patient Services
 
Hospital Room & Board Within the U.S.: URC average private room rate, including nursing service.
Outside of the U.S.: URC average private room rate, including nursing service, up to a maximum of 150% of the average semi-private room rate.
Intensive Care Unit URC
Surgery URC
Emergency Room URC
Additional $250 deductible applied if visit is a result of an illness and you are not admitted
Physician Visits URC
Physical Therapy $50 Maximum per visit
Diagnostic Procedures URC
Home Nursing Care URC
Local Ambulance URC
Durable Medical Equipment URC
Transplants $1,000,000 lifetime maximum. Subject to special provisions
Mental & Nervous Disorder and Substance Abuse
Available after 12 months of continuous coverage
$20,000 Maximum Limit per Lifetime
Outpatient Treatment: 50% patient responsibility, plan pays up to $100 Maximum Limit per visit and maximum of 52 visits per Insured Person per Calendar Year
Inpatient Treatment: $10,000 per Insured Person per Calendar Year.
Prescription Drugs Outside the U.S.: URC
Inside the U.S.: Must utilize Universal RX card. Copay (per 30 day supply):
Tier 1 - $5; Tier 2 - 30%; Tier 3 - $50 plus 30%. Maximum Limit of 90 day supply per prescription.
Adult Wellness Not subject to deductible and coinsurance $250 per calendar year
Child Wellness Not subject to deductible and coinsurance $150 per calendar year
Hospital Indemnity (outside US only) Private Hospitals: $400 per overnight and $4,000 Maximum Limit per Calendar Year.
Public Hospitals: $500 per overnight and $5,000 Maximum Limit per Calendar Year when Other Coverage exists and Company is not obligated to pay any benefits.
Emergency Services
 
Return of Mortal Remains to Home Country Not subject to deductible and coinsurance $25,000 maximum limit
Political Evacuation & Repatriation Not subject to deductible and coinsurance $10,000 lifetime benefit
Emergency Medical Evacuation Not subject to deductible and coinsurance $1,000,000 lifetime maximum
Emergency Reunion $10,000 lifetime benefit
Maternity
 
Maternity Coverage Available after 10 months of continuous coverage URC
Newborn’s Care & Congenital Disorders $250,000 Maximum Limit per Lifetime for Newborn’s Care and Congenital Disorders during 31 days after birth
Additional Benefits
 
Complementary Medical Service Maximum Limits Per Insured Person: Acupuncture: $150 Magnetic Therapy: $75 Herbal Therapy: $50 Massage Therapy: $150 Aroma Therapy: $50 Vitamin Therapy: $100
Chiropractic Care Not subject to deductible and coinsurance $25 per visit (maximum of 20 visits per policy period)
Vision Care Expenses Not subject to deductible and coinsurance $100 Maximum Limit per 24 months for routine eye exams and $150 Maximum Limit per 24 months for corrective lenses, contacts to correct vision, and frames.
Supplemental Accident Benefit Not subject to deductible and coinsurance $300 per covered accident
Dental Emergency URC for necessary treatment due to accident
Vision Not subject to deductible and coinsurance Exams - Up to $100 per 24 months
Materials, frames, lenses, contacts - Up to $150 per 24 months

Exclusions and Limitations

  • Treatment, services or supplies that are not administered or ordered by a licensed physician
  • Treatment, services, or supplies that are not medically necessary
  • Charges that exceed Usual, Reasonable and Customary charges
  • Surgeries or treatments that are investigational, experimental or for research purposes
  • Confinement primarily for custodial, educational or rehabilitative care
  • Weight modification or treatment for obesity
  • Treatment or surgery for cosmetic or aesthetic reasons, except for reconstructive surgery incidental to or following other covered surgery
  • Treatment for a person who was HIV+ prior to the person’s effective date
  • Artificial insemination, infertility, impotency, sterilization or reversal of sterilization
  • Hearing aids
  • TMJ dysfunction
  • Injury sustained from Hazardous Sports activities
  • Injury sustained while under the influence of alcohol or drugs
  • Self-inflicted injury or illness
  • Charges resulting from or during the commission of a crime n Services or supplies performed or provided by a relative
  • Orthoptics and visual eye training
  • Certain care, treatment or supplies for the feet
  • Care and treatment for hair loss
  • Exercise programs
  • Injury that occurs during work for pay/profit or covered under workers’ compensation or similar law - Special coverage for work related injuries may apply if prior approval authorized by The Underwriter
  • Conditions and medications that are subject to an Exclusionary Medical Rider
  • War and terrorism (limited “innocent bystander” coverage is included)
  • Maternity, Mental & Nervous and Alcohol & Substance Abuse during the waiting period unless Replacement/Takeover benefit is purchased for eligible employees at the inception of the group certificate
  • Pre-existing medical conditions during initial waiting period - Unless waiting period waiver is purchased prior to the initial effective date of the group.

* Pre-existing conditions are defined as medical or health conditions (whether physical or mental and regardless of the cause of the condition) for which medical advice, diagnosis, care or treatment was recommended or received during the three (3) month period ending on the Enrollment Date. Coverage for medical expenses arising from pre-existing conditions will be excluded until the earlier of: a) the date that the number of days, beginning on the Enrollment Date, exceeds 180 days continuously during which no Treatment is sought, recommended or received (including prescription medication or drugs); or (b) the date that the number of days, beginning on the Enrollment Date, exceeds 365 days. (Note: Special provisions may apply to U.S.-based employer groups. Refer to your Certificate Wording for complete details).

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

Disclaimer

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

 

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  • "Although one hopes never to use travel insurance, IMG was a god-send 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.