Coverage While Traveling

  • Your provider network

    Through BlueCard ®, your medical plan offers local, national, and worldwide networks of providers. To receive the highest possible benefit coverage that your plan offers, always check the provider directory to make sure your provider is within the network of contracted physicians.

    When you receive care from providers in our network, they process your claims directly with us, so you don't need to handle any paperwork. Many out-of-network providers also submit claims directly to us; however, if you receive care from an out-of-network provider, you may have to pay the provider for the service and then file a claim with us for reimbursement.

  • The BlueCard® Program allows you to receive medical-care benefits when you're traveling away from home. If you believe you have a medical emergency, seek emergency care immediately, no matter where you are.

    Your medical plan offers you access to networks of doctors, hospitals and other healthcare providers to save you money.

    Tips for using BlueCard:

    • When you travel, you have access to a network of BlueCard providers who are contracted by Blue Cross Blue Shield Association plans across the country.
    • In-network providers will file claims for you and accept allowable charges for covered services.
    • If you need care that you or your doctor believes is not available in the BlueCard networks, please call customer service at 877-995-2696 (for deaf and hard of hearing: 711.

    When you need medical care:

    • Find a nearby provider through the Provider Directory. You also can call 877-995-2696 for assistance in finding a network provider.
    • Visit the provider and show your member ID card.
    • At the time of service, you're responsible only for any applicable copays. The provider will file a claim with your medical plan for their charges. Once the claim has been processed, you'll receive an Explanation of Benefits detailing any amounts you owe.*

    *Deductible or coinsurance payments may apply.

    When you travel overseas, you enjoy the added advantage of Blue Cross Global Core®.

    This program offers access to an international network of participating doctors and hospitals.

    Benefits for medical care outside the United States are treated the same as any other medically necessary service subject to your annual deductible, copays/coinsurance, and out-of-pocket maximums. All services outside of the U.S. are paid at the in-network benefit level. However, if you see an out-of-network provider for a service that is not a medical emergency, you may have to pay the difference between the allowed amount and the provider’s billed charges. Prior authorization is highly recommended for certain non-emergency services, so call Premera Blue Cross before you receive care to make sure your service will be covered.

    When you need medical care outside the U.S:

    • Call Blue Cross Global Core collect at 804-673-1177. The Blue Cross Global Core Service Center is available 24 hours a day, 7 days a week and is staffed with multilingual representatives. They can help coordinate hospital care or make an appointment with a doctor for you.
    • Visit the Blue Cross Global Core provider and show your medical plan ID card.
    • If care is arranged by the Blue Cross Global Core Service Center, the provider will file the claim. You only pay the out-of-pocket expenses required by your plan (deductible, copayments, coinsurance, and any non-covered services).
    • If the care is not arranged by Blue Cross Global Core, you pay the provider and submit a claim to the Blue Cross Global Core Service Center. International Claim Forms can be found under the “Forms” tab.
    • Providers outside of the U.S. may require you to pay for the cost of your service up front. To be reimbursed, you will need to submit a claim form and receipts to the Blue Cross Global Core Service Center.
    • For emergency care outside of the U.S., go to the nearest hospital. Call Blue Cross Global Core collect at 804-673-1177 if you’re admitted.

    For questions, call Premera Blue Cross Customer Service at 877-995-2696 (from within the U.S.) or Blue Cross Global Core at 800-810-2583 or collect at 804-673-1177 (from outside of the U.S.).