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.

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Full-time BYU Employees

This GeoBlue "Corporate Traveler" insurance plan is only for full-time BYU employees (Faculty, Admin & Staff) who are going abroad on BYU business (research, conferences, work-realted projects, etc.) without students - BYU students are not eligible for enrollment in this 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 Corporate 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 the BYU Benefits Office and review the BYU Benefits Services Out-Of-Area Coverage document.
  • The Corporate 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 and medication expenses you pay for out of pocket.
  • This plan does not cover preexisting conditions or 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 Corporate Traveler Plan

 

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Students, Program Directors, and Coordinators

NOTE: If you are a faculty leader 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 enroll individually.

BYU requires that all students traveling abroad as part of a BYU program be enrolled in GeoBlue international insurance. If you fall into one of the international traveler categories below, you will need to enroll individually by filling out the GeoBlue online enrollment form. You will be billed for this insurance through your BYU My Financial Center account, or you can pay with a department account code.

  • A BYU student going abroad on an individual experience (ISP, Law Extern, Ballard Center Intern, ORCA, Gillman, or FLAS scholars).
  • A BYU student or faculty director of a faculty-led student group abroad (non-ISP, PAM, or Athletics' groups).
  • A BYU faculty, ISP, Athletics, or Performing Arts director, coordinator or manager traveling abroad with students or in order to advance work for a future BYU student program abroad.  

This plan will NOT cover you in Puerto Rico and the US 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 angelique_powell@byu.edu

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.    

Zika Virus

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).

BYU Zika Waiver

Prescriptions Abroad

Many international travelers have prescription medications that they require during their travel. If you have prescriptions that you will take with you on your trip abroad, please follow the suggestions below. 

Any medications being carried abroad should be left in their original containers and be clearly labeled along with the original pharmacy receipts if possible. 

If you are traveling abroad with a preexisting medical condition, carry with you a letter from your attending physician describing the medical condition and any prescription medications, including the generic names of prescribed drugs. 

Look at the required documentation and restrictions in the country by visiting the International Narcotics Control Board website. Also you should check with the foreign embassy of the country or countries you are planning to visit to make sure any required medications are not considered to be illegal. A list of foreign embassies and consulates and their contact info can be found here.

International insurance and medical assistance companies that provide international medical coverage (such as HTH Worldwide) can help with information regarding transporting prescription drugs abroad, setting up physician appointments abroad, ordering new prescriptions and prescription drug translation (foreign language equivalents). If you have further questions about getting this information, please contact international_security@byu.edu, (801) 422-5357. 

If you wear eyeglasses, take an extra pair with you. Pack medicines and extra eyeglasses in your hand luggage so they will be available in case your checked luggage is lost. If you have allergies, reactions to certain medications, food, insect bites, or other unique medical problems, consider wearing a "medical alert" bracelet. You may also wish to carry a letter from your physician explaining required treatment should you become ill.

Emergency and Medical Assistance

Before departure, you should establish a proactive medical emergency contingency plan.

Understanding your destination before you go 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 to quality of local health care. In many developing locations, quality and availability of health care is often limited and does not meet US standards. Before you go, research not only health risks in your destination, but also learn where the best medical facilities are located in your area and what services they offer. Your international insurance and medical assistance providers can assist you in finding out this information. Many will even assist in arranging a doctor and appointments for you. 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

  • Understand and follow your insurance providers instructions for seeking emergency care.
  • Go to the nearest reliable medical facility (contracted with your insurance provider or not). 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 your insurance provider as soon as you are able. Be prepared to give them a reliable contact number, inform them of your current situation, and your current location, your insurance number, your affiliation with BYU (study abroad program, work department, etc.). Depending on your provider, they may monitor your medical condition, quality of care, and arrange for guarantee of payment with your medical facility. Let them know of any concerns or questions you may have.
  • After receiving initial treatment, you or an able peer (or your insurance provider) should contact your BYU program director, department supervisor, and key family members. Inform your 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 key family members with regular updates on your condition and progress. 
  • If you do pay for your own medical expenses, obtain itemized receipts (facility name, doctor's name, services performed, medications, and exact costs and charges) from the medical facility you are being treated at. Keep all receipts so that you can file a reimbursement claim later with your medical insurance provider.

Helpful Links and Resources