GeoBlue

When making decisions about your health insurance, please consider reviews from people who have not only purchased their insurance, but who have actually used it. I'm currently 8 months into trying to get GeoBlue to pay the hospital for services that they are contractually obliged to pay under my policy, and they are doing everything they can to find loopholes out of it. They are refusing to pay for my birth control despite it being covered by the Xplorer Plan, on the grounds that "per your policy, the removal and insertion of the IUD is not covered as preventative." How is birth control not preventative? Anyway, on page 36 of my policy under "What is covered?" they promise to cover "Prescription Contraception and devices." If you google 鈥渃ontraceptive device,鈥?the result is IUD. Seems simple enough to me. And yet, here we are 9 months later without payment. The same, incidentally goes for a mammogram (again, preventative) but after 8 months they have yet to state why they have denied this claim. I'm escalating my case to the insurance commissioner — and warning you.

GeoBlue is simply the best in the expat health insurance market for U.S. citizens/permanent residents. The entire team is exceptional and the premiums are competitively priced. The company is backed by Bupa/Blue Cross Blue Shield and is financially stable. Claims are processed extremely fast, the team is very responsive and no-nonsense. Also, the terms of insurance are clearly defined and there are very few ambiguities. For example, a "pre-existing condition" can be defined in many ways depending on the insurer, and GeoBlue clearly defines it including the look back period.

I've purchased numerous short term travel policies and now have a long-term expat policy. I'm always skeptical of insurance companies, but after reviewing several of the company's marketing videos the team is really passionate about what they do and seem to care for their customers' well-being. Also, most major U.S. universities have chosen GeoBlue to insure their students abroad which says a lot about the integrity of the company.

Do not hire GeoBlue. I鈥檝e been their client for the last 2 and a half years. I was getting some shots which were covered by GeoBlue. This is a procedure that needs a few shots and a few
months to be completed. This semester, they decided to change their coverage (even though they are charging the same amount of money) and now they left me halfway through my procedure. I鈥檓 an international student and you鈥檒l understand how hard it is to face these type of problems away from home. So unprofessional and unfair.