Health and Insurance
BYU offers two premium traveler’s insurance plans through GeoBlue to help protect BYU students and BYU employees while traveling abroad. These premium GeoBlue international insurance plans include 100% coverage of up to $250,000 for medical care and medical evacuation, the cost of most prescription medications, and $100,000 of security, natural disaster, and political unrest evacuation coverage. There is no deductible.
To qualify for GeoBlue international insurance, you must be a BYU student or fulltime BYU employee, and you must have continual primary insurance coverage through a primary insurance provider. GeoBlue only covers you during your time abroad. It does not cover continual medical care after you return to the United States. Other benefits and exclusions apply.
Please read through each of these plans carefully before you register or enroll to ensure that you get into the correct plan, otherwise you may not have eligible insurance coverage through GeoBlue while you are abroad.
Full-time BYU Employee Plan
(Only for BYU Business Travelers who are not taking students abroad)
This GeoBlue "Business Traveler" insurance plan is only for full-time BYU employees (Faculty, Admin & Staff) who are going abroad on BYU business (research, conferences, work-related projects, etc.) without students. If you are taking one or more students with you abroad, you do not qualify for this plan. BYU students are not eligible for enrollment in this plan. If you are a study abroad faculty director, Athletics or Performing Arts director, or simply faculty taking students abroad, this plan is NOT for you. You need to enroll in the second plan below, Students, Program Directors, and Coordinators.
In order to qualify for the Business Traveler plan, please keep in mind:
- You must be a full time BYU employee under age 70 to qualify for coverage under this plan.
You must have primary insurance coverage, such as DMBA, while you are abroad in order to qualify for this Business Traveler's plan.
- If your primary insurance is through DMBA and you are leaving the DMBA coverage area for 90 days or more, contact the BYU Benefits Office and review the BYU Benefits Services Out-Of-Area Coverage document.
- The Business Traveler plan is only for international travel less than 180 days per trip.
- This plan will also cover your spouse and dependent children (under age 26). You do not need to register your spouse and dependent children.
- It is your responsibility to seek reimbursement through GeoBlue for any out-of-pocket medical expense you pay for during your time abroad. BYU will not reimburse you for these expenses. In order to receive reimbursement through GeoBlue, you must obtain itemized receipts for all medical expenses and send the GeoBlue Reimbursement Form to GeoBlue.
- This plan does not cover pre-existing conditions or routine dental care.
- GeoBlue provides coverage if you are traveling to US territories, such as Puerto Rico and the US Virgin Islands. Since these areas are considered domestic, you wlll access the Blue Cross and Blue Shield network - keep in mind that coverage levels may vary. When you show your GeoBlue ID card at the time of service, participating providers will only bill you for any applicable deductible or copayment.
BYU employees do not need to pay for this insurance plan. The university covers the cost for all full-time BYU employees, but in order to access GeoBlue resources, each employee will need to individually register with GeoBlue. Register using the link below and follow the instructions under the REGISTRATION tab. You will also find additional information on corporate plan's benefits, exclusions and features under the link below.
Register for the Business Traveler Plan
Students, Program Directors, and Coordinators Plan
Group Travelers: If you are a faculty director or a student participant going on a BYU International Study Program (ISP), Athletics Program, or Performing Arts Program, you will automatically be enrolled in GeoBlue insurance as part of your program cost. You DO NOT need to fill out the enrollment form.
Individual Travelers: Individual BYU student travelers or faculty employees leading a student or a small student group abroad need to enroll in this GeoBlue plan individually. If you fall into one of the following international traveler categories, you will need to enroll by filling out the GeoBlue online enrollment form at the bottom of this page. You will be billed for this insurance through your BYU My Financial Center account, or you can pay with a department account code.
Individual travelers include:
A BYU student going abroad on an Individual Experience (Individual internship, Law Extern, Ballard Center Intern, ORCA, Gillman, or FLAS scholars).
A BYU student traveling with a BYU faculty member abroad for international conferences, research, etc.
A BYU faculty member or administrative employee taking students abroad.
A BYU ISP, Athletics, or Performing Arts director/employee traveling in order to do advance work for a future BYU student program abroad.
This plan will NOT cover you in Puerto Rico and the U.S. Virgin Islands.
If you have questions about your enrollment into this GeoBlue insurance plan, visit room 204 HRCB (David M. Kennedy Center), call 801-422-8687; or email email@example.com
Enroll in the Student, Program Director, and Coordinator GeoBlue Plan
Before going abroad, take into consideration your own medical and mental health issues by getting a complete physical, dental, and eye check-up 4-6 weeks before you travel. Know the health risks, illnesses, diseases, food/water precautions and recommended immunizations for your destination. Using the GeoBlue website or app resources, research where the best hospitals and clinics are located. Understand how and where to seek help. Below are some key resources that are available to you to help you prepare for a safe and healthy experience abroad.
CDC Traveler's Health Information
The Centers for Disease Control and Prevention (CDC) Traveler's Health webpage can help you find specific health information for the country or region to which you will be traveling. There are country-specific pages for every country in the world where you can find information about prevalent diseases, recommended immunizations, eating and drinking precautions, and more.
Need help finding a travel medicine clinic or the county health office? Use the CDC website to help locate the best options to get vaccinations. Be sure to plan ahead with plenty of time to receive all recommended vaccinations. Some immunizations can require up to several weeks to complete the entire series.
The CDC has recently updated their list of countries that have a risk of Zika Virus. To find out if your destination country has a risk of Zika, visit the CDC's Zika Travel Information page. Also, visit BYU's Zika Virus Information webpage to learn more about this disease and the risks associated with traveling to a country with Zika.
All BYU students traveling to a country on the CDC list are required to sign a BYU Zika Waiver. You can access the waiver from the link below. Once you sign the waiver, please return it to the BYU International Security office (HRCB 280C).
Many international travelers have medications that they require during their travel. If you have medication that you will take with you on your trip abroad, please follow the suggestions below:
- Take a sufficient amount of each medication with you to last the entire duration of the trip (unless otherwise directed becasue of legal restrictions).
- Keep all medications in their original containers or packaging.
- If it is a prescription medication, be sure to take a copy of the prescription.
- Carry medications in your carry-on bag, not your checked luggage.
- Have your doctor or healthcare provider write a note describing the medication and why you need it.
Look at the required documentation and restrictions of your destination country by going to the International Narcotics Control Board website. Also, you should check with the foreign embassy of the country or countries you are planning to visit in order to make sure all your medications legal to take into the country. A list of foreign embassies and consulates and their contact info can be found here.
If you wear eyeglasses, take an extra pair with you. If you have allergies, reactions to certain medications, food, insect bites, or other unique medical problems, consider wearing a "medical alert" bracelet.
If you have further questions about getting this information, please contact firstname.lastname@example.org, (801) 422-5357.
Emergency and Medical Assistance
Understanding your destination and its health risks is key to a healthy and safe trip abroad. Mitigating health risks (implementing food and water precautions, avoiding mosquito bites, proper immunizations, etc.) is equally important. In many developing locations, the quality and availability of health care is often limited and does not meet US standards. Before you go, research the health risks in your destination, and learn where the best medical facilities are located in your area and what services they offer. GeoBlue international insurance has resources to help you find local medical providers through the GeoBlue website and app. Contact GeoBlue as soon as possible when seeking medical care while traveling abroad. They can give you advice on local doctors and hospitals and will work to ensure direct payment for any medical services that fall under the BYU GeoBlue insurance contract. You can also contact the US embassy in your destination for their recommendations on local health care providers.
During a crisis event abroad, the Office of Overseas Citizens Services' Emergencies Abroad page is very helpful. Their overseas emergency contact number is +1 202-501-4444.
Medical Emergency Guidelines
- Go to the nearest reliable medical facility. Take a valid debit/credit card or cash and your insurance care/information. Be prepared to pay upfront for your medical care and get reimbursed later.
- Contact GeoBlue as soon as possible. Be prepared to give them a reliable contact number, inform them of your current situation, your current location, your insurance number, and your affiliation with BYU (study abroad program, work department, etc.).
- After receiving initial treatment, you should contact your BYU program director, department supervisor, and key family members. Inform BYU and family contacts of your current situation, location, and a contact number for you. Let them know of your concerns and questions.
- Stay in regular contact with your BYU director, department supervisor, and family members with regular updates on your condition and progress.
- If you do pay for your own medical expenses, obtain itemized receipts from the medical facility you are being treated at. Keep all receipts so that you can file a reimbursement claim later with GeoBlue using the reimbursement form on the GeoBlue member hub website.
Review the following GeoBlue requirements for getting itemized receipts for out-of-pocket expenses:
- Bills must be itemized: Canceled checks, cash register receipts and non-itemized "balance due" statements cannot be processed.
- Each itemized bill must include: Name and address of provider (doctor, hospital, laboratory, amublance service, etc.), Name of patient, Date(s) of service, Amount charged for each service, Total Charge, Diagnosis or reason for treatment
- Outpatient Prescription Drugs: Duplicate pharmacy generated receipts (not register tape) must include Rx Number, Date Filled, Medication Name, Form, Strength and Quantity. (NOTE: All Prescription Drug charges will be reimbursed to the insured person only).