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Request Direct Pay for hassle-free care.

Get help with Direct Pay.

Learn how to send Direct Pay requests and get quick answers to common questions about finding care and using Direct Pay.

What is Direct Pay and how does it work?  

Our global network gives you access to directly contracted providers and facilities outside the U.S., many of whom agree to bill us directly so our members don’t need to pay upfront for care.

In many countries, healthcare providers want assurance that they will be paid before they treat you. With Direct Pay, we provide this assurance to the provider through a guarantee letter. This keeps you from having to pay at the time of service and file a claim to get reimbursed.

In situations where you wish to see a provider outside of our network, you can still request Direct Pay before your visit.

If you don’t request Direct Pay before your visit, you may have to pay for care upfront. Even if it costs more than your deductible, copay, or coinsurance.

How to request Direct Pay.

  • Use the Member Portal or mobile app to find a provider and schedule your appointment.
  • Complete the Direct Pay form found in the quick links bar on the homepage.
  • Or call the number on the back of your ID card.

Please contact us at least 48 hours before your appointment. This gives us time to arrange Direct Pay with your provider.

Frequently asked questions

Yes, you can and should make your own doctor’s appointment. You can find a doctor in your local area through our mobile app or Member Portal. Then you can contact them directly to schedule a day and time that works best for you.

Nope! With our plans, you can see any doctor or facility you want. If you see a provider who is not in our network, you may have to pay up front and then submit a claim for reimbursement. When you see providers in our network, you can request Direct Pay, which means the provider will bill us directly. You would then only have to pay the co-pay or deductible at the office. You can request Direct Pay through our Member Portal or mobile app.

If your plan includes care in the U.S., you can use the Blue Cross and Blue Shield network. This network includes doctors and hospitals in the U.S., Puerto Rico and the U.S. Virgin Islands. You can also use the Provider Finder in the Member Portal or the mobile app. When you go to a doctor or hospital in the U.S., make sure to show your ID card when you arrive.

You can use the Provider Finder in the Member Portal or mobile app to search for doctors and hospitals. It shows their profiles and contact details so you can choose the best one for your needs. The app is free to download from the Apple App Store or Google Play store.

No, there's no extra cost to use our telemedicine service.

Need more help?

Contact us