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Navigator is designed to support the international lifestyle of missionaries and volunteers around the world, without many of the typical limits/exclusions common among traditional international plans. Unlike plans that limit furlough coverage, Navigator covers stateside tours delivering continuity and convenience of benefits that are truly seamless and portable.
Navigator is the premier international missionary health plan combining comprehensive worldwide benefits, including the United States. Navigator utilizes a new generation of medical assistance services including an impressive array of online and mobile tools which are used to identify, access and pay for quality healthcare around the world.
Navigator offers you the freedom to choose where you receive healthcare outside the United States. You will also have access to an exclusive network of providers which covers almost every specialty in 180 countries. These providers are certified by the American or Royal College of Medicine. Inside the United States, Navigator members have access to the full Blue Cross Blue Shield Blue Card Network in all 50 States. This network includes more than 80 percent of physicians and 90 percent of hospitals. These providers will bill the insurance company directly eliminating the need to file a claim and wait for reimbursement.
Navigator is offered in cooperation with certain local Blue Cross Blue Shield companies which collectively cover 1 in 3 Americans. Benefits are underwritten by 4 Ever Life Insurance Company, an independent licensee of Blue Cross Blue Shield, and has an A- (Excellent) rating by A.M. Best.
Worldwide coverage including the United States
Unlimited annual and lifetime maximum
Comprehensive hospitalization coverage
Prescription medication coverage
Coverage for medical evacuation and repatriation of remains
Deductible waived for office visits
No waiting periods associated with any preventive services
No limit on time spent in any country
Coverage for injuries or illnesses resulting from a terrorist act
Coverage for pre-existing conditions with proof of prior creditable coverage
Maternity benefits after 12 months of continuous coverage
Access to Blue Cross Blue Shield's Blue Card Network in all 50 States
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