How to get care while you're traveling
Who is this for?
If you are a Blue Cross Blue Shield or Blue Care Network member, this information can help you understand what your options are while you’re traveling and you need medical care.
I'm traveling in Michigan. What do I need to know about getting health care?
I'm traveling outside of Michigan. What do I need to know about getting health care?
How do I file a claim if I receive care outside of Michigan?
Am I covered when traveling outside of the United States?
If you're away from home in the state and you have an HMO plan (Blue Care Network):
- If Blue Care Network is offered where you are, call your primary care physician (PCP) just as you would at home. They'll coordinate all routine care, urgent care or follow-up care that doesn't require you to go to an emergency room.
- If Blue Care Network isn't offered, you’re covered for emergency care only. To see if a doctor or urgent care center participates with Blue Care Network, use Find a Doctor.
If you have a PPO plan (Blue Cross Blue Shield of Michigan):
- You can choose any doctor no matter where you are. However, if you’re out of our network, you could pay higher out-of-pocket costs, and not all services may be covered.
- To find a network doctor that participates in your plan, use Find a Doctor.
If you have an HMO plan,
- You’re covered for emergency care within the United States.
- If you plan on temporarily living outside of Michigan, you may be able to get coverage for an extended stay.
- Before you travel, call Customer Service at 800-662-6667 for details about your health insurance benefits. Your options may vary depending on the type of coverage you have.
If you have a PPO plan:
- You have the option of seeing any doctor no matter where you are. However, if you’re out of our network, you could pay higher out-of-pocket costs, and not all services may be covered.
- You can find doctors outside of Michigan who will accept your coverage by using the Blue National Doctor & Hospital Finder℠, or call 1-800-810-BLUE (2583).
You may need to visit a doctor or hospital while traveling in another state. If you do, the BlueCard® Program will help you get access to doctors and hospitals that participate with Blue Cross Blue Shield.
If you go to an out-of-state doctor or hospital that doesn’t participate with Blue Cross Blue Shield, you may pay upfront for services. To file a claim for those out-of-network services, you’ll need to use the claim form from the state where you were treated. Check the state-by-state list of Blue Cross Blue Shield companies to get started.
No matter what plan you have, you’re always covered for emergency care. You may be asked to pay at the time you receive care, but we’ll reimburse you later once you arrive safely back home. You can find the forms you need in our Claims section.
Contact BlueCard Worldwide® to find a doctor outside of the U.S.
If you have an HMO plan with a prescription drug rider:
- You can have your prescriptions filled at any pharmacy in our network, or
- You can mail order your prescriptions through Express Scripts®.
If you have a PPO plan,
- Your prescription drug coverage varies based on whether you’re in the network or not. If you use a pharmacy in our network or one that's in the Express Scripts network outside of Michigan, your prescription drug claims will be paid according to your plan benefits.
If you receive care while you’re traveling outside of the United States, you’ll pay the health care professional at the time of service and fill out an international claims form to be reimbursed by us once you arrive safely back home. The form and more detailed instructions can be found at the Blue Cross Blue Shield Association website.
For HMO plan members, contact Blue Care Network Customer Service at 1-800-662-6667 or call the number on the back of your insurance card.
For PPO plan members, you can find a list of doctors nationwide by using the Blue National Doctor & Hospital Finder℠, or call 1-800-810-BLUE (2583).
To help you better prepare for your next trip, we've outlined for you the types of care your HMO health care plan may offer: