GeoBlue Health Insurance

To avoid out of pocket payment, students can request Direct Pay by going to local GeoBlue-partnered providers. These providers have an established relationship with GeoBlue and will accept direct payment from the insurance. Complete these three steps:

1. Find a local doctor. Start with geobluestudents.com and find a doctor that works in your area. Find a GeoBlue approved doctor nearby. Schedule an appointment with your chosen doctor.
2. Set up Direct Pay. Request Direct Pay for your appointment through the GeoBlue App or geobluestudents.com. For the best service, put in your request 48 hours prior to the appointment.
3. Go to your appointment. If requested, show the Guarentee of Payment from GeoBlue to your provider, available on the GeoBlue app.

This is also outlined on the GeoBlue Direct Pay flyer. 

If you decide to go to an out-of-network provider, you will need to pay onsite and request a reimbursement* from GeoBlue.

1. Find a local doctor. If you cannot find a doctor that works for you on geobluestudents.com, ask your program provider, faculty leader, or university for recommendations. Schedule an appointment with your chosen doctor.
2. Go to your appointment. Pay upfront for your visit.
3. File a reimbursement claim. (detailed below)

*For reimbursements, make sure you:

1. Have additional funds, such as a credit card or extra money for emergencies, to pay for the visit.
2. Keep your receipts to submit a claim.

If you paid for a medical appointment out of pocket, you will need to submit a reimbursment claim to GeoBlue. This is an easy process, which can be done from your phone.

1. Scan or take a picture of your receipt (can be in the local language).
2. Upload image to GeoBlue app or geobluestudents.com.
3. Follow any additional instructions.
4. Wait for your reimbursement! If you have any questions about when you will receive your reimbursement, contact GeoBlue.

For more detailed instructions, check out the GeoBlue Reimbursement Claims flyer.

To locate a GeoBlue-approved physician or medical facility in your location abroad, visit the GeoBlue website. For further information on how to use this function of the website, instructions are available in this PDF.

Health care providers listed as “Network Provider” have a direct-pay agreement with GeoBlue, so you will have no out-of-pocket expenses.

If there are no GeoBlue approved facilities in your area or you prefer to see another physician, you are welcome to do so. Once you have made an appointment or have been admitted to a hospital, please contact GeoBlue to open a case. If GeoBlue is unable to pay the health care provider directly, you may have to pay the bill on-site. Be prepared for this and have emergency funds available. If you pay out-of-pocket you may submit a claim for reimbursement.

For the terms of coverage of the University of Michigan’s GeoBlue Insurance plan, download the Schedule of Benefits.

Coverage extends from 2 days prior to the official arrival date (or start date of the program) until 2 days after the last official date of the program.

Students may need to purchase health coverage that is required by the host country or program provider. A student’s program supplement will provide this information. This may be included in the program costs, or students may be instructed to purchase this on their own. This does not replace the GeoBlue insurance required by UM. Rather, students will have to purchase both policies.

GeoBlue Health Insurance is international travel health insurance and only provides coverage outside of the United States. In the event of an injury abroad, the GeoBlue insurance plan may provide some coverage when students return home, however this coverage is extremely limited and therefore students should maintain whatever current health insurance coverage they have in the US for the duration of their time abroad. If students need to seek continued treatment for an illness or injury that occurred while abroad, their US insurance plan will be needed.