HTH’s Global Citizen plan is HIPAA compliant. That means its 6 month waiting periodfor pre-existing conditions is waived if you have a certificate of credible coverage. Also, HTH will issue a certificate of credible coverage if you have been on the Global Citizen.

No penalty with the exception of transplants.

Deductible reduced in half for service outside the United States.

If you have questions about what a Certificate of Credible Coverage isplease contact our office for a detailed explanation. This is especially important to US citizens that will be returning to the US.

- Pre-Trip Health and Safety Advisories
- LiveTravel services
- BagTrak
- Emergency message relay
-Emergency cash transfers
- Embassy and Consulate referrals
- Bail bond assistance
-Translation and interpretation assistance

Pre-certification required with first 90 days of pregnancy.

Pre-certification required with first 90 days of pregnancy.

Outside US - $10 Co-pay and no co-insurance

In the US (In Network) - $30 + 20% in co-insurance.

The Global Citizen plan
does not cover services for treatment of a medical condition for which
medical advice,diagnosis, care, or treatment was recommended or received during the 180 days immediately preceding the member's eligibility date.

HOWEVER, the six-month pre-existing conditions period can be reduced or
eliminated if you have been covered by a creditable group or individual health insurance plan.)

Restrictions do apply to the act of war. If traveling to Iraq, Afghanistan or other active war zone pleasecontact us.

Available with $1,000 deductible.Contact us for details .

If delivery was covered than newborn is covered for the first 31 days. Contact HTH in first 31 days to have child added to policy without underwriting.

-Elite International Provider Community: 3,500 English speaking physicians in over 170 countries.
Less than 2% of physician are accepted into this Elite provider network so you can be assured you’re receiving the best care.
-Personal Safety Intelligence: Includes daily health & safety email, security profiles of 240 destinations, prescription and over the counter drug translation, translation of 100”s of medical terms and phrases.
- Informed Choice: HTH’s International Physician Advisor can provide second opinion for unanticipated medical problems.
- Well Prepared Program: Personal web page for HTH Members. Allows members to access HTH services.
- Appointment Scheduling & Direct Pay: Members can request HTH to schedule appointment with the Elite Int’l Provider Community. HTH pays provider directly.

Not subject to deductible.

Not subject to deductible or coinsurance.Child must be between 14 days old to 18 years old.

Mandatory or up to 50% reduction in benefits.

Mandatory or up to 50% reduction in benefits.

Not subject to deductible.

General provisions*:
1. Delivery must be covered under mother's policy.
2. Application for newborn must be received by IMG within 31 days of birth.
3. Pay any premium due. 4. Receive written acceptance from IMG.
5. Must meet the residency eligibility clause. If the above provisions have been satisfied then IMG will waive the pre-existing condition waiting period for the newborn.

*This is a summary of the benefit. For a complete and exact definition please ask us for a sample policy contract

General provisions*:
1. Application must be received by SRI with 31 days of birth.
2. Pregnancy and delivery were covered by SRI.
3. Mother and child remain covered under this certificate.
4. Child meets the eligibility requirements.
5. Pay any premium due. 6. Newborn's application is subject to underwriting if meets the provisions outlined in the brochure

Policy may contain riders or exclusions for certain health conditions.

*This is a summary of the benefit. For a complete and exact definition please ask us for a sample policy contract

General provisions*:
1. An application must be submitted to MNUI and may be accepted or declined depending upon health of newborn and eligibility.
2. If approved, newborn may be subject to riders or exclusions for certain health conditions.
3. Any premium due would also be required.

*This is a summary of the benefit. For a complete and exact definition please ask us for a sample policy contract.