A Guide to Coverage Outside the United States
It's a good idea to periodically review the coverage for employees who travel outside the United States. Use the chart below to review your company's coverage and help you answer any questions your employees may have.
What should members do in an emergency?
In emergencies outside the country, members are to go directly to the nearest hospital or doctor. If hospitalized, members (or someone on their behalf) must call the BlueCard Worldwide® Service Center at
What members need to find a doctor or hospital?
To find a doctor or hospital outside the United States, members can call the BlueCard Worldwide Service Center at
How do members file claims for covered services outside the United States?
|Emergency Care||Other Covered (Non-emergency) Services||Reimbursement for Any Covered Services That Members Paid for Out-of-Pocket|
|Blue Care ElectSM and Preferred Blue PPO SMPlans1||Covered at the in-network level of benefits.||Covered at the out-of-network level of benefits||File a claim with the BlueCard Worldwide Service Center.|
|HMO Blue® and Access BlueSM (Local and New England) Plans||Covered for emergency medical services and urgent care only.||Not covered.||File a claim with the BlueCard Worldwide Service Center.|
|Blue Choice® (Local and New England) Plans||Covered for emergency medical services and urgent care at the PCP/Plan-approved level.||Covered at the self-referred benefit level.||File a claim with the BlueCard Worldwide Service Center.|
|Indemnity Plan||Coverage for services that would be paid if services were received in the United States.||Coverage for services that would be paid if services were received in the United States.||File a claim with BlueCard Worldwide Service Center.|
1Our EPO/Advantage Blue plan provides coverage for emergency medical care only since there are no out-of network benefits.