Your Blue Cross coverage travels with you wherever you go. Here are the steps you take depending on what care you need and where.

How to get care when traveling within Michigan and the U.S.

As a PPO member, you're free to see any doctor you want wherever you are. But, if you want to keep costs down, it's important to see Blue Cross-approved doctors when you travel around the U.S.

For emergency or accidental injuries:

  • Call 911 or go to the nearest hospital or emergency care center. Emergency care is always covered anywhere within the U.S. Just make sure you have your Blue Cross ID card on you.

For urgent care that requires attention within 48 hours:

  • All urgent care is covered, no matter where you are. Just make sure you have your Blue Cross ID card on you.
  • When you need to find a doctor or hospital in Michigan or in another state, just enter your address, city or any location to find nearby care from a Blue Cross Blue Shield of Michigan doctor or hospital. If you’re not near a computer, you can call the customer service number on the back of your Blue Cross ID card. If you’re outside of Michigan, call BlueCard at 1-800-810-2583 for a list of doctors and hospitals in your area.

For non-emergency care:

  • Whether you're traveling in Michigan or out of state, you can search for doctors who accept your plan.
  • Under the BlueCard® Program, you take your health benefits with you even when you leave Michigan. If you visit a Blue Cross doctor, you will only pay the rate that the local Blue plan negotiated with that doctor for your care. In most cases, you shouldn’t have to pay more than what you usually pay upfront for care.
  • If the doctor you see isn't a Blue Cross doctor, your share of the costs might go up and you might not get covered for all services.

How to get care when traveling outside the U.S.

Outside the U.S. you have access to doctors and hospitals in more than 200 countries and territories around the world with the BlueCard Worldwide® Program. Before you leave for your trip, you'll want to make sure you have international benefits with your Blue Cross plan. If you do, here’s how you get care that’s covered when you travel overseas.

For emergency care or accidental injuries:

  • Go to the nearest hospital.
  • Make sure you have your Blue Cross ID card. All emergency and urgent care is covered no matter where you are.
  • If you’re not sure where to go to get help, contact BlueCard Worldwide at 1-804-673-1177. They can direct you to the nearest medical facility.
  • You may need to pay for all costs at the time you get care, but we’ll reimburse you once you arrive back home. You can submit a claim form and send it with any itemized bills to the BlueCard Worldwide Service Center. Find claim forms at the BlueCard Worldwide® website.

For non-emergency care:

  • Call BlueCard Worldwide® at 1-800-810-2583, 24 hours a day, seven days a week. They will make sure you get care from a BlueCard Worldwide hospital or authorized health care provider.
  • If you need to check into a hospital, you don't have to pay anything upfront, except for your usual out-of-pocket expenses, when you use a BlueCare Worldwide provider.
  • If you get care from a doctor or at a hospital that BlueCare Worldwide hasn’t approved in advance, you may have to pay for all costs upfront. You can submit a claim form and send it with any itemized bills to the BlueCard Worldwide Service Center. Find claim forms at the BlueCard Worldwide® website.
  • If you're planning to live abroad for a prolonged period of time, learn about extended stay benefits.