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Traveling or Living Inside or Outside the U.S.? View Our Coverage Products.

BlueCard: Living or Traveling in the U.S., Puerto Rico, U.S. Virgin Islands

BlueCard® Program

When you’re a BlueSM member, you take your healthcare benefits with you – across the country and around the world. The BlueCard Program gives you access to doctors and hospitals almost everywhere, giving you the peace of mind that you’ll be able to find the healthcare provider you need. Within the United States, you’re covered whether you need care in urban or rural areas. Outside of the United States, you have access to doctors and hospitals in nearly 200 countries and territories around the world through the BlueCard Worldwide® Program.

Take Charge of Your Health Wherever You Are

1. Always carry your current Blue Cross and Blue Shield ID card.

2. In an emergency, go directly to the nearest hospital.

3. To find nearby doctors and hospitals, call BlueCard Access® at 1.800.810.BLUE (2583) or visit the Blue National Doctor & Hospital Finder.

4. Call your Blue Plan for precertification or prior authorization, if necessary. The phone number is located on your ID card. Note: This phone number is different from the BlueCard Access number mentioned above.

5. When you arrive at the participating doctor's office or hospital, show the provider your ID card. The provider will identify your benefits through one of these symbols:

Traditional/ Indemnity Benefits      

 

PPO Benefits

 

After you receive care, you should:

  • Not have to complete any claim forms. 
  • Not have to pay upfront for medical services, except for the usual out-of-pocket expenses (noncovered services, deductible, copayment and coinsurance).
  • Receive an explanation of benefits from your Blue Plan.

BlueCard Worldwide: Living or Traveling Outside the U.S.

BlueCard Worldwide® Program

When you are a BlueSM member, you take your healthcare benefits with you when you are abroad. Through the BlueCard Worldwide® program, you have access to medical assistance services, doctors and hospitals when traveling or living outside of the United States, Puerto Rico, and U.S. Virgin Islands.

Visit the BlueCard Worldwide website 

  • Search for hospitals and doctors worldwide
  • Find helpful travel and destination information



 

 

International Claim Forms

You will need Adobe Acrobat Reader to open the International Claim Form. You can get the Acrobat Reader at www.adobe.com.

 

When You Need Healthcare Outside the U.S., Puerto Rico and U.S. Virgin Islands

  1. Always carry your Blue Cross and Blue Shield ID card.
  2. Contact your Blue Plan before leaving as your health care benefits may be different outside the U.S., Puerto Rico and U.S. Virgin Islands.
  3. In an emergency, go directly to the nearest hospital or doctor. Call the BlueCard Worldwide Service Center if hospitalized.
  4. If you need to locate a doctor or hospital, or need medical assistance services, call the BlueCard Worldwide Service Center at 1.800.810.BLUE (2583) or call collect at 1.804.673.1177, 24 hours a day, seven days a week. An assistance coordinator, in conjunction with a medical professional, will arrange a physician appointment or hospitalization, if necessary.
  5. Call the BlueCard Worldwide Service Center at 1.800.810.2583 or collect at 1.804.673.1177 when you need inpatient care. In most cases, you should not need to pay upfront for inpatient care at BlueCard Worldwide hospitals except for the out-of-pocket expenses (noncovered services, deductible, copayment and co-insurance) you normally pay. When cashless access is arranged, the hospital will submit your claim on your behalf.
  6. Call your Blue Plan for precertification or prior authorization, if necessary. Refer to the phone number on the back of your ID card.

Claims Filing and Payment Information        

  • For inpatient care at a BlueCard Worldwide® hospital that was arranged through the BlueCard Worldwide Service Center, you should only pay the provider the usual out-of-pocket expenses (noncovered services, deductible, copayment and coinsurance) when cashless access is arranged. The provider files the claim for you.
  • For all outpatient and professional medical care, you pay the provider and submit a claim. You may also have to pay the hospital (and submit a claim) for inpatient care obtained from a non-BlueCard Worldwide hospital or when inpatient care was not arranged through the BlueCard Worldwide Service Center.      
  • To submit a claim, complete an International Claim Form and send it to the BlueCard Worldwide Service Center. The claim form must be completed and accompanied by itemized bills otherwise your claim will be returned to you and payment will be delayed.       
  • Please click here for an example of a completed form.

Neither the Blue Cross and Blue Shield Association nor any of its independent Licensees shall be liable for any losses, damages, or uncovered charges as a result of using the BlueCard Worldwide Service Center or receiving care from any provider listed on the BlueCard Worldwide website.

GeoBlue: Living or Traveling Outside the U.S. (including for 6+ Months)

GeoBlue ProductsSM

GeoBlue offers group and individual health insurance to international business travelers and expatriates through participating Blue Cross and Blue Shield companies.  All GeoBlue products provide unsurpassed service and mobile technology to help expats, travelers and their families access trusted doctors and hospitals all around the globe. Through innovative product offerings, including concierge-level service, members who are living, working or traveling abroad can find carefully selected doctors and hospitals in more than 180 countries.

Which Product is Right for You?

Individual Products

Short Term Plans for trips up to 180 days for vacation, business or missionary travel: GeoBlue Trekker and GeoBlue Voyager

GeoBlue Trekker - Health and accident insurance for frequent international travel covering:

  • Up to $250,000 medical/$500,000 evacuation
  • Unlimited trips in a 364 day period (70 day max. per trip)
  • A choice of medical limits is available
  • Pre-existing conditions for both medical services and medical evacuation
  • Two levels of coverage are available: Essential and Choice
  • Available up to age 84.

For FAQs, Eligibility, a brochure or more information visit geobluetravelinsurance.com.

GeoBlue Voyager - Health insurance and assistance for short-term international travel covering:

  • Up to $1,000,000 medical/$500,000 evacuation
  • Up to 180 days of coverage. One policy extension is available
  • A choice of medical limits and deductibles
  • Pre-existing conditions coverage is available
  • Two levels of coverage are available: Essential and Choice
  • Group plans are available with a 10% discount for groups of five or more.
  • Available up to age 84.

For FAQs, Eligibility, a brochure or more information visit geobluetravelinsurance.com.

Long Term Plans for global living: GeoBlue Xplorer and GeoBlue Navigator

GeoBlue Xplorer – Expatriate health insurance for global living that provides:

  • Unlimited annual and lifetime maximum
  • Comprehensive, primary worldwide benefits
  • The ability to define your deductible and prescription benefits
  • Choose to include* or exclude coverage in the U.S.
  • Pre-existing conditions covered with creditable coverage
  • Preventive care, medical evacuation and more.
  • Two levels of coverage are available: Essential and Premier
  • Can be kept up to age 84.

For FAQs, Eligibility, a brochure or more information, visit http://www.geobluetravelinsurance.com.

GeoBlue Navigator – Worldwide medical coverage for crew members and missionaries that offers:

  • Unlimited annual and lifetime maximum (4 office visit max.)
  • Comprehensive, primary worldwide benefits
  • The ability to define your deductible
  • Pre-existing conditions covered with creditable coverage
  • Preventive care, medical evacuation and more.
  • Can be kept up to age 74.

Cew Members, for FAQs, Eligibility, a brochure, or more information visit geobluetravelinsurance.com.

Missionaries, for FAQs, Eligibility, a brochure or more information visit geobluetravelinsurance.com.

To learn more about GeoBlue individual products, visit www.geobluetravelinsurance.com

To learn more about GeoBlue products, login as a member and to see health and safety travel resources visit www.geo-blue.com

GeoBlue is a trade name of Worldwide Insurance Services, LLC, an independent licensee of the Blue Cross Blue Shield Association. 

Away from Home Care: HMO for students and travelers

Away From Home Care® Program

As a Blue Plan HMO member, you can enjoy peace of mind by having access to healthcare benefits across the country. Away From Home Care provides convenient healthcare coverage while you are away from your Home HMO and temporarily residing in a participating HMO's service area. Away From Home Care is available in many states and the District of Columbia.

Guest Membership

Guest Membership is designed to address your healthcare needs if you have one of the following situations:

  • Students— attending school out of state
  • Families Apart—family members residing in different HMO service areas
  • Long-Term Traveler—long-term work assignment in another state, or retirees with a dual residence

The Away From Home Care Program ensures that you have ongoing access to the care you need while residing away from home. Here is how the program works:

  1. Contact your home HMO if you or a covered dependent are going to be away from home for at least 90 consecutive days.
  2. Your home HMO will advise you if a participating HMO is in the area where you will be staying.
  3. Your home HMO will work with you to complete a Guest Membership application, if there is a participating HMO in the area where you will be staying. Your home HMO will mail you the application for signature. Once it is signed, your home HMO will forward it to the participating host HMO in your destination location.
  4. Your host HMO will provide you with a membership ID card, a primary care physician, and instructions on how to access your benefits while using your Guest Membership.
  5. Call your host HMO primary care physician for an appointment when you need medical care.