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Frequent Questions

AFSPA Members of Household FAQs

We offer three medical travel coverage options for your loved ones who are not eligible to enroll under your Federal Employee Health Benefits (FEHB) Plan, exclusively designed for our members.

Global Medical (GMI) is a flexible, long-term, annually renewable, U.S.-style major medical insurance program designed to cover major medical needs and emergencies for U.S. citizens living abroad at least 6 months out of a consecutive 12 months and non-U.S. citizens throughout the world. GMI offers the ability to select from an assortment of five (5) unique benefit plan options – Bronze, Silver, Gold, Gold Plus, and Platinum – each with different levels of coverage. In addition, there are different areas of coverage.

GlobeHopper Senior offers affordable travel medical insurance to U.S. citizens and U.S. permanent residents over the age of 65 while they are traveling outside of the United States. Two plan options are available: Single and Multi-Trip.  Single-Trip helps protect those who need travel medical insurance for trips lasting from five days to 12 months. Multi-Trip covers multiple trips throughout a 12-month period, with each trip covered up to a maximum of 30 days.

Liaison Medical Series is a comprehensive medical travel plan designed to provide health insurance to people traveling outside of their home country. Home country for non-U.S. citizens is the country where you have your permanent residence. For United States citizens, including those with dual citizenship, it is always the United States. There are three (3) plans to choose from, Economy, Choice and Elite that provide different levels of coverage. This plan excludes maternity benefits. It includes medical and emergency evacuation, repatriation of remains, waiver of pre-existing conditions options and 24-hour multilingual travel assistance.

Please review the plan brochures for complete information. 

AFSPA recommends anyone traveling outside of their home country consider a travel medical insurance option. Whether you choose to purchase one or not will depend on your own health, where you are traveling, what coverage your regular health insurance provides while traveling to other countries, and your own comfort. Others seeking solely travel insurance should see Travel to learn about a specially discounted plan for members.

U.S. Citizens and Foreign Nationals who are Members of Household, which includes domestic partners, parents, in-laws, dependent children age 26 and over, nannies and any other persons who do not qualify for coverage under the Federal Employees Health Benefits Program (FEHBP).

Applicants including Foreign Nationals living overseas and applying for coverage in the U.S. or another foreign country must reside outside of the U.S. or that specific country at the time of application. Applicants residing in the U.S. at time of application must depart the U.S. for overseas within 30 days of the Certificate’s Effective Date.

For GMI, applicants must be at least 14 days old and not older than 74 years.

For GlobeHopper Senior, applicants must be U.S. citizens or U.S. permanent residents over age 65 (no maximum age limits), qualify for Medicare and be enrolled in a Medicare Parts A & B and a Medicare Supplement plan; or actively enrolled in a Medicare Advantage Plan. Maximum coverage for ages 80+ is limited to $100,000.

For Liaison Medical Travel Series, applicants must be over 14 days old. Applicants 80 years and older are limited to a maximum coverage amount of $20,000.  *There are geographic restrictions for some U.S. States, foreign countries and trip destinations. Please refer to plan brochure for details.

The GMI plan includes a required health questionnaire as part of the application. The Plan Administrator, IMG will contact you directly if more information is needed. *Note: there are pre-existing conditions exclusions and limitations. Please refer to plan brochures for details.

The GlobalHopper Senior and Liaison Series plans do not require medical underwriting to determine insurability. *Note: there are pre-existing conditions exclusions and limitations. Please refer to plan brochures for details.

The Plan Administrator does its best to work quickly: applications are generally reviewed and responses issued within two business days via email. If you need a quicker response, or if you have not heard back within three business days, please call the Plan Administrator directly:

GMI & GlobeHopper Senior call IMG at 866-368-3724

Liaison Series call Seven Corners at 800-335-0611

Outside of the U.S.: treatment can be obtained from any provider and/or facility however, for each plan you will have access to a large international network of providers and many of them have agreed to bill direct for treatment they provide. We recommend you contact the Plan Administrator for a referral.

Inside the U.S.: Each plan offers an extensive network of providers with special network pricing and potential savings for you. You may elect an out of network provider however, coverage is reduced and may incur greater out of pocket expenses.

For GMI, a policy period is 364 days and policies are renewable for up to three (3) years as long as the covered person is eligible.

For GlobeHopper Senior, the covered person can choose the Single-Trip plan that will cover a minimum trip length of 5 days up to 364 days or the Multi-Trip plan that covers multiple trips in a consecutive 12-month period up to a maximum length of 30 days for each trip. *Trip extension available up to 12 months from initial effective date for Single-Trip (see plan brochure for details).

For Liaison Medical Series both the Economy and Choice plans cover a trip length from 5 days up to 364 days. The Elite plan covers 5 days up to 1,092 days and is renewable up to 3 years. You are eligible to extend coverage if you initially purchase less than the maximum trip allowance. Please see plan brochure for details.

The cash incentive refers to the cash or out of pocket savings you receive as a result of electing in-network or participating providers for medical services. It is not an actual “cash back” benefit.

Simply complete the claim form that you will receive with your ID card(s) and submit it along with all original, itemized bills and receipts to the Plan Administrator within 90 days of service. The contact information for where to remit claims can be found on the I.D. card, claim, in the Plan brochure and on the Plan Administrators website. Claims do not need to be translated or currencies converted. Payments can be converted to a currency of your choosing. You are responsible for your deductible and coinsurance and any non-eligible expenses.