America's Benefit Specialist August/September 2023

International Medical Insurance PROTECT YOUR CUSTOMERS AND GROW YOUR BUSINESS WITH SOLUTIONS FROM GEOBLUE ®

GeoBlue innovation simplifies the global healthcare experience

Maybe your focus is finding the right medical insurance solution for individuals. Maybe you specialize in meeting the unique needs of people over the age of 65. Perhaps you work primarily with companies, supporting them with appropriate group plans. Or maybe your business is a blend of all the above. Although you’ve done a great job matching these customers to appropriate healthcare insurance plans based on their different needs, there’s one thing they all likely have in common: gaps in coverage when they travel internationally. International healthcare needs aren’t always apparent Many individuals and employers assume their domestic health insurance plan will protect them (or their employees) traveling or working abroad the same way it does inside the U.S. Unfortunately, that’s not how it works. Some domestic group plans offer no international medical coverage, nor do most Affordable Care Act plans. Even the best Medicare supplement plans have limited international benefits. Many individuals and employers assume their domestic health insurance plan will protect them (or their employees) traveling or working abroad the same way it does inside the U.S. GeoBlue solutions fit your different customers’ needs Does the thought of sorting through all the logistics of international medical insurance make your head spin? Don’t worry! GeoBlue is here to support you. For over 25 years, we’ve been 100% dedicated to understanding the needs of the globally mobile, and we prepare, protect and assist all world travelers: • Employer groups —products for long-term expatriate assignments and short-term business travel • Students, faculty and staff —group products for U.S. inbound (international students) and outbound (study abroad) academic programs • Individuals and families —products for leisure travelers, expatriates, crew members, missionaries, students and business travelers

It’s not just about closing the gap in domestic health plans with international solutions. It’s also about connecting customers to services that can support their unique global mobility needs. GeoBlue provides:

Industry-leading digital tools

24/7/365 high-touch service

Centralized in-house service, claims and medical assistance

Access to global telemedicine and wellness resources

Flexible, comprehensive benefit options

We can help you uncover international opportunities Many of your customers don’t even realize they have a need for travel medical insurance. So, have a conversation with them. Ask if clients or their employees travel internationally for business meetings, conferences or short-term work assignments. Inquire about long-term work assignments outside the U.S. or if employees from other countries come into the U.S. for assignments. Don’t forget about remote work—if clients or their employees “work from home” and choose to relocate even temporarily to another country, they need international coverage Think a bit unconventionally, too. Even if you work with a company that doesn’t want to offer a true employer-sponsored plan, they can still offer voluntary access to GeoBlue plans in their benefits package. Doing so puts international coverage top of mind (potentially protecting more employees), and it may also give the employer a competitive advantage over other companies.

Asking a few simple questions to existing clients and prospects can open the door to new opportunities.

GeoBlue is here for you Your customers need international medical insurance, but you don’t have to be the expert. Partner with GeoBlue for the solutions, services and support to keep your globally mobile customers globally protected. Visit about.geo-blue.com to learn more .

GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association. This coverage is offered to the members of the Global Citizens Association, Washington, D.C. INDV82512-MEM-8/23