Taking a Closer Look at the GeoBlue Xplorer in the United States

In the United States the Blue Cross and Blue Shield name is widely recognized to be of value and utmost quality. The problem though are coverage areas. A plan with Florida Blue wont’ be accepted in South Carolina. Same with a policy from Blue Cross of Arizona taken in Georgia. Yet there remains a solution in the form of the GeoBlue Xplorer product.

Network:

GeoBlue uses the Blue Card PPO/EPO. This is the largest Blue Cross network in the nation and includes such places as Sloan Kettering, Mount Sinai and the Mayo Clinic. You can search through the network here: BCBS.COM

Deductibles:

The GeoBlue Xplorer plan offers a choice of four deductibles. They are $0, $1,000, $2,500 and $5,000. All have co-insurance and a maximum out of pocket. Like ACA plans there are no caps with GeoBlue.

Why We Like the GeoBlue Product

• Physician Office Visits with Just a $30 Copay including specialists.
• No waiting periods for preventative care services.
• The Pre-Existing Condition Exclusion can be waived under certain circumstances.
• No pre-certification for inpatient and outpatient care.
• Direct billing of most providers.
• The strength of the brand. Blue Cross and Blue Shield is nationally        recognized.

Few things We Dislike

  • The prescription coverage has a limit of $1,000 maximum for life. Clients have the option to bump this to $25,000 but the premium will be considerably more expensive.
  • Limits of $50 max per each visit for Physical/Occupational Therapy.

In conclusion the GeoBlue Xplorer product is a fantastic option for those looking for quality care.  Benefits are robust and you have a network that is superb.  E&M Global is proud to work with GeoBlue. 

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