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HTH Global Citizen
Plan
Highway to Health
(HTH) provides the Global Citizen plan for US expatriates and foreign
nationals in approved American states or US citizens already living outside
the USA. It is an annual, renewable plan that
includes comprehensive, major medical coverage inside and outside the U.S..
It is designed for individuals and their families. It offers the security of a US
underwriter and administrator that has met the standards of state regulators
and thus features coverage more generous than plans sold as non-admitted
'surplus' coverage. The HTH Global Citizen is the only international health plan
that is administered using HIPAA guidlines and meets US states mandates for health insurance.
It is underwritten by UNICARE: a Wellpoint company. Wellpoint is the largest
health plan in the USA with over 20 million health plan members and 42
million specialty members.
Download Brochure &
Application in PDF Adobe Reader
format.
You can then fax to: 1-610-293-3529 and
post original to our office or to:
HTH Worldwide, 1 Radnor Corporate Center, Suite 100, Radnor, PA 19087, USA
OR you can get quote,
information and purchase online via new window:
Eligible Participants &
Application Instructions
To be eligible for the Global Citizen health
plan, Eligible Participants must be:
- Age 74 or younger at the time of purchase.
Plan provides coverage up to a maximum age 83.
- Coverage subject to approval by HTH's
underwriter.
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What zip code applies when applying from overseas?
The Washington D.C. zip code that applies is
20036.
All U.S. citizens living abroad who are 74
or younger at the time of application are eligible to apply for coverage.
Policies for U.S. citizens residing overseas are issued through the Global
Citizens Association office in Washington D.C. When you apply for coverage
you become a member of the Association. If
you are not in one of the states below, you
must already be living abroad. You can then use the following address for
application purposes: Global
Citizens Association, 1100 Connecticut Avenue, NW, Suite 1000,Washington,
DC 20036
What zip code applies when applying in the U.S.?
Please indicate the zip code in your home area.
All legal residents of the U.S.(citizens and
foreign nationals) who are age 74 or younger at the time of application
are eligible if they live in a state listed below:
Alabama, Alaska, Arizona, Arkansas, California,
Colorado, Connecticut, Delaware, District of Columbia, Hawaii, Illinois,
Indiana, Iowa, Kentucky, Michigan, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio,
Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah,
Vermont, Virginia, West Virginia, Wisconsin, Wyoming
For US citizens outside of the above states, you
can only apply if you are already living outside of the USA.
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Will my pre-existing condition be covered under a Global Citizen plan?
Global Citizen is administered using HIPAA-guidelines. If you were
previously covered by an annually renewable U.S. health plan that issues you
a Certificate of Creditable Coverage,
HTH Worldwide
will credit you for this prior coverage. The number months of coverage shown
on the Certificate will reduce or eliminate the six-month pre-existing
condition waiting period. If you have six
or more months of creditable coverage, your waiting period will be
eliminated. If you have less than six months creditable coverage,
your waiting period will be reduced by the number of months you had
creditable coverage. For example, if you have two months of creditable
coverage, your waiting period will be reduced from six months to four
months.
Eligible Family
Family members included in the plan must be
Eligible Dependents. An Eligible Dependent means a person who is the
Eligible Participant's spouse age 74 or less and/or:
- unmarried natural child, stepchild or
legally adopted child who has not yet reached age 19;
- own or spouse's own unmarried child, of
any age, enrolled prior to age 26, who is incapable of self support due to
continuing mental retardation or physical disability and who is chiefly
dependent on the Eligible Participant. The Insurer requires written proof
from a Physician of such disability and dependency within 31 days of the
child's 26th birthday and annually thereafter.
- unmarried child, from their 19th to their
22nd birthday who is a full-time student attending an accredited college,
university, vocational or technical school, and who is fully dependent
upon the Eligible Participant for support. The Insurer may require proof
of student status, but not more than once a Year;
- grandchild, niece or nephew who otherwise
qualifies as a dependent child, if: (i) the child is under the primary
care of the Insured Participant; and (ii) the legal guardian of the child,
if other than the Insured Participant, is not covered by an accident or
sickness policy.
The term "primary care" means that the Insured Participant provides food,
clothing and shelter on a regular and continuous basis during the time
that public schools are in regular session.
A person may not be an
Insured Dependent for more than one Insured Participant.
Eligible Dependents must be residents (either U.S. citizens or foreign
nationals) of the U.S.
Maternity Benefits
New applicants are ineligible for maternity
benefits in the first 12 months of coverage under the Global Citizen and
Global Citizen EXP plans:
- After 12 months of continuous coverage a
female member can choose to upgrade to a plan with maternity benefits.
- In order to qualify for the maternity
benefit upgrade, an applicant must complete a health statement indicating
that they are not pregnant at time of upgrade.
- After upgrading, members will be entitled
to a lifetime maximum of $5,000,000 of maternity benefits. Newborn
children will be covered automatically in the first 31 days. Well baby
visits will be covered up to the policy maximum without a waiting period.
Strength of a U.S Underwriter
- Underwritten by UNICARE Life & Health, a
WellPoint company which is rated A- (Excellent) by A.M. Best and A+
(Stable) by Standard and Poor's. WellPoint is the nation's largest health
insurance company, serving more members than any other health
insurance company. Global Student Health and Global Citizen plans are
administered by HTH Worldwide Insurance Services.
Please read the plan terms and conditions
carefully before applying. The above is subject to change without notice.
Contact us for more information!
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