What is the HTH Global HealthGuard plan?

HTH Global HealthGuard is a primary major medical group expatriate plan that provides comprehensive coverage worldwide, including the US. Download a brochure Here.

What are the advantages of the HTH Global HealthGuard plan?

• No waiting periods associated with any preventative services
• Administered using HIPAA guidelines; the pre-existing condition exclusion can be waived with proof of prior creditable coverage
• No pre-certification requirements
• Deductible is waived for office visits and preventative care
• No limit on time spent in or out of US

What does the HTH Global HealthGuard plan cover?

The benefits are rich; the plan covers everything from medical evacuation and hospitalization to maternity care and well visits.

What is the minimum number of expatriates that can be covered under this plan?

We can write a group policy for two expatriates.

Is there a deductible?

The deductible varies depending on the plan chosen and can be customized to fit the group's needs.

What is the process for adding another Global HealthGuard member during the term?

The Global HealthGuard plan is supported by online administrative tools. The group administrator can enroll new members, terminate members or make changes to existing members directly online.

Can the group get prescription coverage with this plan and how will that work while the employee is overseas?

Yes, the policy includes retail and mail order prescription drug coverage while inside and outside of the U.S. If a member needs to obtain a prescription outside of the U.S. that is unavailable in their current location our Global Health team will assist in getting the drug to them.