Blue Cross Blue Shield Global Solutions Xplorer Insurance Plans for Expats Living in China
Blue Cross Blue Shield Global Solutions’ Xplorer Health Plans are a top choice for expats in China who need reliable international health insurance with customizable benefits and worldwide coverage. These plans include access to an extensive network of doctors and hospitals, excellent service, and options that include or exclude U.S. coverage depending on your needs.
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Designed specifically for expats, the Blue Cross Blue Shield Global Solutions Xplorer plans offer comprehensive medical protection while living and working in China. With different tiers such as Essential, Select, and Premier, the plans cater to a range of preferences and budgets while ensuring peace of mind abroad.
This Pacific Prime article will go into detail on Blue Cross Blue Shield Global Solutions’ Xplorer health insurance plans, their key features, and the types of coverage that expats can expect to receive while living and working in China.
Blue Cross Blue Shield Global Solutions Xplorer Plan Choices for Expats in China
Expats in China can choose from a wide range of Blue Cross Blue Shield Global Solutions Xplorer plan options, such as Xplorer Essential, Xplorer Select, and Xplorer Premier. The main difference is that Xplorer Essential does not include USA coverage, whereas the latter does.
What the Xplorer Essential Plan Covers
Blue Cross Blue Shield Global Solutions’ Xplorer Essential health insurance plan provides comprehensive coverage for those looking to save money by omitting coverage in the U.S. In short, the plan shares the same key benefits as others but does not include coverage for the U.S.
The Xplorer Essential plan offers the following key advantages:
- Unlimited yearly and lifetime medical maximum benefits.
- Instant coverage of pre-existing conditions upon presentation of prior coverage evidence.
- Freedom to visit any healthcare provider worldwide.
- Ability to include short-term illness, accident, and emergency medical coverage within the United States.
- Waived deductibles for office visits, preventive care, prescriptions, and other services.
- Comprehensive prescription coverage with the choice to enhance benefits further.
- Optional dental and vision insurance is available.
- Access to unlimited telemedicine services.
- Continuation of coverage for spouses and dependents in case of the subscriber’s demise.
- Optional Essential Add On – Basic U.S. Benefits Inside the U.S.: This additional feature is exclusive to the Xplorer Essential Plan and offers coverage specifically for emergency medical care, illnesses, prescriptions, and accidental injuries during temporary visits to the United States.
Features of the Xplorer Select Plan
Blue Cross Blue Shield Global Solutions’ Xplorer Select health insurance plan is suitable for expats in China who wish to continue their U.S. health insurance plan by opting for a simplified underwriting process with fewer questions and a shorter turnaround time.
The Xplorer Select plan’s main advantages are detailed below:
- Unlimited yearly and lifetime medical maximum benefits.
- Instant coverage of pre-existing conditions upon presentation of prior coverage evidence.
- Freedom to visit any healthcare provider worldwide.
- Includes short-term illness, accident, and emergency medical coverage within the United States.
- Waived deductibles for office visits, preventive care, prescriptions, and other services.
- Comprehensive prescription coverage with the choice to enhance benefits further.
- Optional dental and vision insurance is available.
- Access to unlimited telemedicine services.
- Continuation of coverage for spouses and dependents in case of the subscriber’s demise.
Full Benefits of the Xplorer Premier Plan
Blue Cross Blue Shield Global Solutions’ Xplorer Premier is the most comprehensive health insurance plan offered, with the maximum amount of coverage for expats who want peace of mind during their stay in China. This includes worldwide coverage, including the U.S., and is most recommended for expats.
The Xplorer Premier plan offers the following key advantages:
- Unlimited maximum benefits for both annual and lifetime medical expenses.
- Instant coverage of pre-existing conditions upon presenting evidence of prior coverage.
- Freedom to select any healthcare provider globally and access to the Blue Cross Blue Shield PPO network within the U.S.
- Waived deductibles for office visits, preventive care, prescriptions, and additional services.
- Inclusive prescription coverage with the option to enhance benefits further.
- Optional dental and vision insurance is available.
- Access to unlimited telemedicine services.
- Continuation of coverage for spouses and dependents in the event of the subscriber’s death.
Key Advantages of Blue Cross Blue Shield Global Solutions Xplorer Plans
Blue Cross Blue Shield Global Solutions’ Xplorer plans provide expats with numerous advantages, such as no waiting periods, access to the Blue Cross Blue Shield PPO network, fewer deductibles for services, coverage for pre-existing conditions, and unlimited medical maximums.
These benefits are essential in ensuring peace of mind for expats living in China. Listed below are the key features of the Blue Cross Blue Shield Global Solutions Xplorer plans and their details:
- No Waiting Periods: Blue Cross Blue Shield Global Solutions ensures immediate access to preventive services, such as doctor office visits and routine physicals, without any waiting periods, allowing you to prioritize your health from day one.
- Blue Cross Blue Shield PPO Network: With exclusive access through the Premier Plan, Blue Cross Blue Shield Global Solutions offers an extensive Blue Cross Blue Shield insurance network, providing you with a wide range of healthcare options across the US for comprehensive coverage and peace of mind.
- No Deductible for Some Services: Blue Cross Blue Shield Global Solutions understands the importance of affordable healthcare, which is why standard services like office visits, preventive care, and outpatient prescriptions come with no deductible requirements, making quality healthcare more accessible to you.
- Pre-Existing Conditions: Blue Cross Blue Shield Global Solutions values your healthcare history. If you maintained primary U.S. health insurance for the six months preceding your plan’s start date, Blue Cross Blue Shield Global Solutions will waive the six-month waiting period for pre-existing conditions, ensuring continuity of care without unnecessary delays.
- Unlimited Medical Maximum: Blue Cross Blue Shield Global Solutions prioritizes your well-being by providing an unlimited annual and lifetime maximum for medical expenses, offering you financial security and peace of mind during unforeseen health crises.
- Plan Cancellation: Flexibility is key with Blue Cross Blue Shield Global Solutions. You have the freedom to cancel your plan any month you choose, without being burdened by cancellation fees, ensuring your insurance fits your evolving needs and circumstances seamlessly.
What Blue Cross Blue Shield Global Solutions Xplorer Covers for Expats
The key types of coverage offered by Blue Cross Blue Shield Global Solutions’ Xplorer plans include primary and preventative care, professional services, inpatient hospital services, ambulatory and therapeutic services, prescription drugs, and global travel benefits.
These key types of coverage are offered by all Blue Cross Blue Shield Global Solutions Xplorer plans, ensuring that expats receive access to a comprehensive list of services during their stay in China. The coverage types also ensure that each and every expat is financially protected in the event of any medical or travel emergency.
- Primary and preventative care: This coverage ensures that you have access to essential healthcare services, including regular check-ups, screenings, and vaccinations, to maintain your overall health and detect any potential health issues early.
- Professional services: Professional services coverage encompasses consultations and treatments provided by healthcare professionals such as doctors, specialists, surgeons, and therapists. This includes both outpatient and inpatient services.
- Inpatient hospital services: Inpatient hospital services coverage includes medical care received during hospital stays, including surgeries, treatments, and accommodations. This coverage ensures financial protection against the high costs associated with hospitalization.
- Ambulatory and therapeutic services: Ambulatory and therapeutic services coverage includes outpatient care received outside of a hospital setting, such as diagnostic tests, therapies, and rehabilitation services.
- Prescription drugs: Prescription drug coverage ensures access to necessary medications prescribed by healthcare providers to treat acute and chronic conditions. This coverage may include both generic and brand-name medications, offering financial assistance for the costs.
- Global Travel Benefits: Global travel benefits provide coverage for medical emergencies and assistance services while traveling abroad. This includes access to a network of healthcare providers worldwide, emergency medical evacuation, repatriation of remains, and travel assistance services.
Frequently Asked Questions
What are the different plan options offered by Blue Cross Blue Shield Global Solutions’ Xplorer health insurance plans for expats in China?
Blue Cross Blue Shield Global Solutions’ Xplorer health insurance plans in China offer three plan options: Xplorer Essential, Xplorer Select, and Xplorer Premier. The main difference among these plans is that Xplorer Essential does not include coverage for the United States, while the other two plans do.
What are the key benefits provided by Blue Cross Blue Shield Global Solutions’ Xplorer Essential plan?
The benefits of Blue Cross Blue Shield Global Solutions’ Xplorer Essential plan include unlimited yearly and lifetime medical maximums, instant coverage of pre-existing conditions upon presentation of coverage evidence, the freedom to visit any healthcare provider worldwide, waived deductibles, preventive care, and prescriptions.
What are the key features of every Blue Cross Blue Shield Global Solutions Xplorer plan?
The key features of Blue Cross Blue Shield Global Solutions’ Xplorer plans include no waiting periods for preventive services, access to the Blue Cross Blue Shield PPO network (exclusive to the Premier Plan), no deductible for certain services like office visits and preventive care, and coverage for pre-existing conditions.
Conclusion
China has plenty to offer working expats. However, prior to relocating, it’s important to take out health insurance in order to secure access to affordable and high-quality healthcare. If you want to get up to speed, it’s also worth reading about international health insurance for expats in China.
Fortunately, Blue Cross Blue Shield Global Solutions’ Xplorer plans can meet the unique needs of each and every expat, enabling them to focus on what matters most—living and working with peace of mind knowing that their healthcare and finances are secure.
Pacific Prime’s brokers have over 20 years of experience and can help guide you throughout every decision-making process associated with insurance. We can help you compare William Russell and IMG Insurance in China, picking the best plans for your unique needs.
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Upon graduating from Mahidol University International College’s International Relations program, he spent his career in marketing and business development, working for an international subcontractor, a marketing research firm, an international news agency, a software development company, and a creative agency. His journey now continues at Pacific Prime, where he hopes to make an impact by simplifying insurance and writing a gargantuan amount of SEO articles to draw in billions of leads.
In his free time, Piyanat is an avid martial artist and musician, spending most of his time at boxing gyms in Nakhon Pathom and music studios with his friends in the music industry.
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