Carefirst blue cross blue shield international coverage

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Please review the plans carefully when selecting a suitable plan. PPO plans offer out-of-network benefits. EPO plans do not provide out-of-network benefits except for true emergencies.

Coordination of benefits COB occurs when a person has health care coverage under more than one insurance plan. All plans require information from employees and retirees on other coverage that they or their dependents have from another health insurance carrier to determine which plan is primary.

Providers may decide to terminate from a plan network at any time. A provider terminating from a plan is not considered a qualifying event that would allow coverage to be canceled or changed. Employees must wait until the next Open Enrollment period to make any changes to plans. Lexington St. Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists.

And if your extended travel plans take you abroad, you can ensure you have access to quality care through GeoBlue. When traveling within the United States, most Blue Cross Blue Shield members will be covered under the BlueCard program, which connects all 36 individual Blue Cross Blue Shield companies so that members can enjoy access to the savings the local Blue Cross Blue Shield plan has negotiated with its doctors and hospitals. For example, if a member of Blue Cross Blue Shield of Texas, whose Plan includes the BlueCard program, falls and breaks his arm while hiking in Yellowstone, he will be charged the rate Blue Cross Blue Shield of Wyoming has negotiated with the local hospital rather than paying the steep fees he would otherwise encounter.

If your plans include international travel, GeoBlue has an extensive network of options to meet your needs when living or working abroad for an extended period of time. Though many Blue Cross Blue Shield plans cover international care in emergency situations, GeoBlu e plans offer the most complete set of benefits and access to services like emergency medical evacuation, which might not be covered by your regular plan.

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