Authorized Agent:
BCBS Global Solutions
Authorized Agent: BCBS Global Solutions
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You must be age 18 or older to purchase Blue Cross Blue Shield Global Solutions insurance products. Adults are permitted to purchase Blue Cross Blue Shield Global Solutions products on behalf of individuals younger than 18.
By clicking ‘OK’ below, you acknowledge that you are an adult age 18 or older, purchasing on behalf of an indivudual younger than 18.
No one under the age of 6 can be enrolled by themselves.
Plan Details
| Outside U.S. | U.S. (In Network) | U.S. (Outside Network) | |
Benefit Maximums |
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|---|---|---|---|
| Lifetime Maximum per Insured Person | Unlimited | Unlimited | Unlimited |
| Annual Maximum per Insured Person | Unlimited | Unlimited | Unlimited |
Preventive and Primary Care - Insurer Waives Deductible |
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| Primary Care Office Visits - as many as 8 visits per Calendar Year | All except a $10 copay per visit1 | All except a $30 copay per visit | 60% to Coinsurance Maximum then 100% |
| Preventive Care For Babies/Children: (Birth through Age 18) a. Office Visits/Immunization b. Immunizations, Lab work & X-rays done in conjunction with an office visit |
100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Preventive Care for Adults: (Age 19 and Older) a. Office Visits/Immunization b. Immunizations as recommended on the published Center for Disease Control (CDC) immunization schedule for adults c. Routine Pap Smears, annual mammogram d. PSA for Men e. Diagnostic lab work & X-rays done in conjunction with an office visit |
100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Travel Vaccinations, Subject to a Calendar Year Maximum of $500 | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Annual Physical Examination/Health Screening, Subject to a Calendar Year Maximum of $250 and limited to one per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Urgent Care Facility | 100% | All except a $75 copay per visit | 60% to Coinsurance Maximum then 100% |
Outpatient Services - Insurer Pays After Deductible Is Met |
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| Outpatient Medical Care | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Inpatient Hospital Services - Insurer Pays After Deductible Is Met |
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| Surgery, X-rays, In-hospital doctor visits, Organ/Tissue Transplant | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient medical emergency | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Professional Services: Surgery, anesthesia, radiation therapy, In-hospital doctor visits, diagnostic X-ray and lab work | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Ambulatory and Therapeutic Services - Insurer Pays After Deductible Is Met, Unless Noted |
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| Ambulatory Surgical Center | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Physical/Occupational Therapy, Limited to 6 visits per Calendar Year | 100%, no deductible | 100%, no deductible | 100%, no deductible |
| Ambulance Service | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Durable Medical Equipment | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Rehabilitation and Therapy - Insurer Pays After Deductible Is Met, Unless Noted |
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| Inpatient Mental Health | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Mental Health | 100%, no deductible $10 Copayment | 100%, no deductible $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
| Inpatient Substance Abuse | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Substance Abuse | 100%, no deductible $10 Copayment1 | 100%, no deductible $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
Other Services - Insurer Pays After Deductible Is Met |
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| Home Health Care, Subject to a maximum of 30 visits per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Hospice, Subject to a maximum of $5,000 per lifetime | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Outpatient Prescription Drugs - Insurer Waives Deductible |
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| Prescription Drug Benefit, Subject to $5,000 Maximum per Insured Person per Calendar Year, Maximum 90-day supply | 100% of actual charges | 100% of actual charges | 100% of actual charges |
- Copay waived when visiting a BlueCross BlueShield Global Solutions contracted provider outside the U.S.
- Emergency room visits that do not result in inpatient admissions will be subject to a $100 penalty.
Deductible options
Living Abroad: Medical Coverage for Worldwide Education1–6
Plan Options |
DeductibleOutside U.S. |
DeductibleU.S. In Network |
DeductibleU.S. Out of Network |
Coinsurance Maximum |
| 0 | $0 | $0 | $0 | $1,000 |
| 250 | $125 | $250 | $500 | $2,000 |
| 500 | $500 | $500 | $500 | $3,000 |
| 1,000 | $500 | $1,000 | $2,000 | $4,000 |
| 2,500 | $1,250 | $2,500 | $5,000 | $8,000 |
| 5,000 | $2,500 | $5,000 | $10,000 | $10,000 |
- Copay waived when visiting a Blue Cross Blue Shield Global Solutions contracted provider outside the U.S.
- Deductibles are Per Person per Calendar Year.
- The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. For a family, the maximum deductible and coinsurance are increased by a factor of 2.5, regardless of the size of the family.
- Amounts paid to satisfy a deductible are credited to all other deductibles, both inside and outside the U.S. For example, if you satisfy your Outside U.S. deductible, this amount is credited to the U.S. (In Network) and U.S. (Outside Network) deductible requirements.
- An Insured Person only has to satisfy his/her Out-of-Pocket Maximum once a Year for all services received outside of the U.S. and in the U.S.
- Emergency room visits that do not result in inpatient admissions will be subject to a $100 penalty.
Medical network
Global care that travels with you.
We’ve hand-picked physicians in over 190 countries who meet our rigorous standards. Many are board-certified and English-speaking. Choose from our network or pick any international doctor or facility. It’s up to you.
Always connected to care.
Every plan includes unlimited telemedicine services at no extra cost. Connect with a doctor from your phone or tablet wherever you are, whenever you need care:
- Same-day remote appointments available 24/7/365
- Multilingual doctors providing guidance for non-emergencies
- Consultation notes sent directly to your phone
- Prescriptions and referral letters where regulations allow
Travel with a friend.
Use our mobile app for essential support:
- Digital ID cards
- Provider search with detailed profiles
- Claim tracking
- Medical translations
- Medication equivalents finder
- Safety alerts based on your location
Help that never sleeps.
Our Global Service Center is always open:
- 24/7/365 multilingual support via toll-free or collect calls
- Medical evacuation coordination when needed
- Personalized guidance for accessing care
Go ahead and explore the world. We’ll be here when and where you need us.
Medical evacuation
When you’re outside of your home country, medical evacuations aren’t always covered by your current health insurance.
All plans include medical evacuation. Emergency medical transportation can be stressful and the costs can be devastating. We make it as easy as possible to get the care you need, when and where you need it.
- Maximum Benefit per Trip Period for all Evacuations up to $250,000.
Additional benefits
Our coverage goes beyond the basics. For your protection and peace of mind in unexpected situations.
What is repatriation of remains?
This important benefit covers the complex process of transporting remains back to the family's chosen location, handling all necessary documentation and arrangements during an already difficult time.
| Insurer Waives Deductible | |
|---|---|
| Repatriation of Mortal Remains | Up to $25,000 |
| Accidental Death and Dismemberment | $10,000 |
Pre-existing conditions
You’re more than just your medical history.
You’re more than just your medical history. Current health conditions and illness are covered under our plans for living abroad. For coverage to start right away, you will need to supply a letter from your previous health insurer that shows you were covered for at least 6 months.
If you did not have health insurance, you will need to wait up to 6 months for Worldwide Premier and Outside U.S. plans for your current health conditions to be covered. This is called a waiting period. The waiting period for Worldwide Crew, Worldwide Education and Worldwide Non-Profit plans is 12 months.
If you had health insurance for less than 6 months, your waiting period will be shortened by the number of months you were previously covered. For example, if you had health insurance for 2 months, your waiting period will be shortened by 2 months from 6 months to 4 months.
Need medical care or emergency evacuation?
Both are covered, even for pre-existing conditions. So you’ll never have to wonder "what if something happens?" while you're trying to enjoy your trip
Refund policy
We understand that life plans change. That’s why you can cancel at any time without a cancellation fee or penalty. Most of our plans have a 6-month enrollment minimum, but we don't lock you into a contract. All cancellations are effective on the last day of the monthly billing cycle. We don’t provide refunds for partial months. Cancellations are not retroactive, so you will need to pay your premium through the date of your cancellation. All cancellation requests must come from the primary insured by one of these methods:
- Postal mail: C/O Blue Cross Blue Shield Global Solutions/Enrollment Dept, 933 First Ave, King of Prussia, PA 19406
- Email: enrollment@bcbsglobalsolutions.com
Eligibility
All U.S. citizens and U.S. permanent residents living abroad who are 74 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens and permanent residents) are eligible if they apply from the U.S. The Eligible Member must be scheduled to reside outside of his/her country for at least 3 months per year and must be involved in Missionary or NGO activity.
Eligible Dependent
An Eligible Dependent means a person who is the Eligible Participant’s:
- Spouse, partner;
- Own or spouse’s/partner’s unmarried natural child, stepchild or legally adopted child who has not yet reached age 26.
A person may not be an Insured Dependent for more than one Insured Participant.