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Navigator Student covers United States Citizens or Residents going abroad, as well as foreign nationals who are coming to the United States for educational purposes. Navigator Student meets the needs of international students and faculty by offering comprehensive worldwide benefits, both inside and outside the United States, without the typical time limits, eligibility conditions and exclusions common among traditional student plans. Navigator Student meets or exceeds United States government student visa requirements including J-1 Visa.
Navigator Student is the ultimate health plan for international students. By combining comprehensive worldwide benefits, including the United States, Navigator Student utilizes a new generation of medical assistance services that include an extensive array of online and mobile tools that make it easy for insureds to identify, access and pay for quality healthcare around the world.
Navigator Student offers the freedom to choose where you receive healthcare outside the United States. You will also have access to an exclusive network of providers which cover almost every specialty in 180 countries and are certified by the American or Royal College of Medicine. Inside the United States, Navigator Student members have full access to the 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 Student is offered in cooperation with specific 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
Coverage from 1 month, renewable until age 75
Unlimited annual and lifetime maximum
Comprehensive hospitalization coverage
Prescription medication coverage
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
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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