Did you know if you are a Blue Cross Blue Shield of NC member your health plan covers you across the United States and around the world through Blue Card? All you need is your membership ID card!
So, how does Blue Card coverage work?
In an emergency, go to the nearest doctor or hospital. In emergency situations, services will be processed at in-network rates, even when services are received from an out-of-network provider.
For non-emergency care in the US visit a participating Blue Card doctor or hospital for the highest level of covered benefits. You may visit a non-participating Blue Card doctor or hospital, but your out-of-pocket expenses will be higher, except in the case of an emergency. When you arrive at the doctor or hospital you are visiting, you will simply present your BCBSNC membership ID card. To find a Blue Card doctor in the area you are in, you can search the “Find a Blue Card Doctor” tool online or call the customer service phone number on the back of your ID card.
Coverage varies outside of the US, therefore for non-emergency care outside the US, you simply contact BCBSNC Customer Service prior to your trip for specifics on the country you will be visiting. Also, visit Blue Cross Blue Shield Association Worldwide online to print a list of doctors in the country you will be visiting.
As always, don’t forget to bring your BCBSNC membership card when you travel!
For more information on Blue Cross Blue Shield of North Carolina health insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents. Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.