Browse by Topic

Browse by Plan Type

Other Help

Not finding what you need in this section for members and insurance shoppers? Check out our other help sections below.

How to get care while you're traveling

Who is this for?

Michigan Health Insurance – Customer Service – How To

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.

When you’re a Blues member, you can take your health care benefits with you no matter where you travel, across the country or around the world. 

Depending on your plan, you may be covered for routine care and urgent care. You’re always covered for emergency 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?
Am I covered when traveling outside of the United States?
Are prescription drugs covered when I travel?
How do I submit a claim if I'm outside the U.S.?
Who do I contact for more information?
For Blue Care Network members

I'm traveling in Michigan. What do I need to know about getting health care?

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.

Top of page

I'm traveling outside of Michigan. What do I need to know about getting health care?

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).

Top of page

Am I covered when traveling outside of the United States?

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.

Top of page

Are prescription drugs covered when I travel?

If you have an HMO plan with a prescription drug rider:

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.

Top of page

How do I submit a claim if I'm outside the U.S.?

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.

Top of page

Who do I contact for more information?

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).

Top of page

For Blue Care Network members

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:

Top of page

Was this content helpful?

Rate it

Submit >

One site. One stop.

Managing your health plan online
has never been easier. On the new bcbsm.com, all your account information is in one place and personalized, so it's more useful.
Even better, you can access it anytime, anywhere, from your mobile device.

I’d like to register

Log in to my account

©1996-2014 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross and Blue Shield Association. We provide health insurance in Michigan.

State and Federal Privacy laws prohibit unauthorized access to Member's private information. Individuals attempting unauthorized access will be prosecuted.

Site Map  |  Feedback  |  Important Legal and Privacy Information

Explanation of Level A Conformance
Better Business Bureau Online Seal of Reliability