Geoblue VS Cigna for Global Health Insurance? (US Citizen)
I am a US citizen, 25 years old with no medical conditions, taking a gap year to work/travel. I narrowed down a global health insurer to GeoBlue and Cigna. Is Reddit able to offer any feedback between these two insurers? It seems both are very good/reputable, and these are the main differences of their basic plans I've found so far.
GeoBlue
Higher price (~$300/month min.)
Covers most primary care like doctor visits or vaccines in non-emergencies
In emergencies, deductible and coinsurance are relatively high in the $2-5K range
Cigna
Slightly lower price (~$200/month min.)
Does NOT cover primary care like like doctor visits or vaccines in non-emergencies
In emergencies, deductible and coinsurance can be much lower <$1K
Both cover mental healthcare and have reputable customer service.
Overall for me it's looking like Geoblue provides better coverage for everything EXCEPT emergencies, so I should choose Geoblue if I want good medical care and don't expect to get into an emergency (and can eat several thousand if I do). But at the same time I don't think I really anticipate needing significant non-emergency care within the span of a year, so I'm not sure if the extra ~$100/month for Geoblue is worthwhile. Not sure if there is anything else I should be considering here, but appreciate Reddit's advice in advance!