ALERT! The plan does not cover prescription drugs ordered through foreign (non-U.S.) mail-order pharmacies.
Contact BlueCard Worldwide®
When Are Services Outside the U.S. Covered By the Plan?
The plan covers the same benefits as described in your plan's 2015 Certificate of Coverage that are received outside the United States (U.S.) when the services are:
Finding a Preferred Provider Outside the U.S.—BlueCard Worldwide
Under BlueCard Worldwide, you have access to network providers outside the U.S., including hospital care (inpatient and outpatient) and professional provider services at network reimbursment rates.
To find a contracted provider outside the United States, go to http://provider.bcbs.com/
and click on the link “Locate Doctors Worldwide.” Or you may call the BlueCard Worldwide service center at 1-800-810-BLUE (2583), or call collect at 1-804-673-1177.
Important Tips for Receiving Care Outside the U.S.
- Always carry your UMP identification (ID) card.
- If you need emergency medical care, go to the nearest hospital. If you are admitted, call the BlueCard Worldwide Service Center (see “Contact BlueCard Worldwide” above) to notify the plan of your admission.
- For non-emergency medical care outside the U.S., call the BlueCard Worldwide Service Center (see “Contact BlueCard Worldwide” above). The service center will help you find the care you need, including hospital care if necessary or an appointment with a professional provider.
Paying For Care Outside the U.S.
Inpatient Services at a BlueCard Contracted Hospital
When you receive inpatient care at a hospital contracted with BlueCard Worldwide, you will pay your normal out-of-pocket costs, such as deductible, copayment, coinsurance, and any services not covered by the plan. Contracted hospitals will verify your benefits and eligibility with BlueCard Worldwide and submit a claim; you will pay the provider after the plan processes the claim.
Services at a Non-Contracted Hospital
When you receive services at a hospital not contracted with BlueCard Worldwide, you pay the hospital at the time of service, then submit a claim with an itemized bill from the hospital to the plan for reimbursement (see How Do I Submit a Claim?). You may ask the non-contracted hospital if they will submit a claim on your behalf.
Outpatient and Professional Provider Services
If you receive outpatient care outside the U.S., you pay the facility or professional provider at the time of service, then submit a claim to the plan for reimbursement (see How Do I Submit a Claim?). Covered services by BlueCard contracted providers are paid the same as preferred providers, but the allowed amount may vary.
When and How Do I Submit a Claim for Services Outside the U.S.?
If you receive inpatient services at a contracted hospital, the hospital will submit claims on your behalf. See “Inpatient Services at a BlueCard Contracted Hospital” above.
For care from non-contracted hospitals and all outpatient care, you pay the provider at the time of service. To receive reimbursement from the plan for covered services, you must submit an international claim to the BlueCard Worldwide service center; see “Contact BlueCard Worldwide” above for contact information and where to find a claim form.
When a claim for services received outside of the U.S. is submitted, the claim and all accompanying documentation (such as medical records) must be translated into English, and the relevant currency exchange rate provided. Specific services, charges, drugs and dosage must be documented. The plan does not pay for translation or other documentation.
ALERT! The plan does not cover prescription drugs ordered through foreign (non-U.S.) mail-order pharmacies. See how coverage of prescription drugs purchased outside the U.S. works.