Travel & Emergency Care

What to do when traveling?

When you pack for your holiday or vacation travels, don’t forget your Blue Advantage (HMO) or Blue Advantage (PPO) ID card. As your partner in good health, Blue Advantage has you covered if you should get sick or get hurt when you’re away from home. Your benefits cover services from out-of-network providers when you have a medical emergency or are seeking urgently needed care.

If you are sick or injured when traveling, visit the nearest emergency room (or call 911, if needed) or urgent care center, as appropriate for your symptoms.

When you check in, show the medical staff your Blue Advantage ID card so they know to bill us for your care. Since you are a Medicare Advantage plan member, the facility must submit a claim directly to us, rather than billing you up front. You will be responsible for all applicable copayments and coinsurances.

What is a “medical emergency”?

A "medical emergency" is when you believe that your health is in serious danger. Medical emergencies include severe pain and serious injuries or illnesses — for example, a heart attack, stroke or bad fall.

If you go to the emergency room thinking your health is in serious danger and the doctor says you don’t have a medical emergency after all, you are still covered for the care you received. If you get any extra care from an out-of-network provider after you learn you don’t have a medical emergency, however, Blue Advantage usually will not cover this additional care unless you are a Blue Advantage (PPO) plan member.

What is urgently needed care?

Urgently needed care is a non-emergency situation where you need medical attention immediately for an unforeseen illness or injury. For example, you might seek urgent care if you come down with a sinus infection or twist your ankle.

Blue Advantage covers out-of-network urgent care if you are:

  • Temporarily absent from the plan’s service area
  • Unable to reasonably obtain care through the Blue Advantage network, given your health needs
  • A member of a Blue Advantage (PPO) plan

Remember that you must choose a facility that is licensed as an urgent care center. Blue Advantage (HMO) does not cover out-of-network services at physician's office without prior authorization approval from Blue Advantage.

REMEMBER:

Always carry your Blue Advantage card with you in case you need emergency or urgent care. You should always present this card — not your Medicare card — when seeking care. If you need to contact Blue Advantage while you are away from home, use the Customer Service number printed on the back of your card to reach us.

Can I visit an out-of-network doctor?

Blue Advantage (HMO) does not cover out-of-network services at a physician’s office without prior authorization approval from Blue Advantage. If you are sick or injured while away from the Blue Advantage service area, you should visit an emergency room or urgent care center, as appropriate for your symptoms. If you choose urgent care, remember that you must visit a facility that is licensed as an urgent care center.

If you have a medical emergency:

Get medical help as quickly as possible. Call 911 for help or go to the nearest emergency room, hospital or urgent care center. You do not need to get approval or a referral first from your Primary Care Provider or other in-network provider.

As soon as possible, make sure that we know about your emergency, because we need to be involved in following up on your emergency care. You or someone else should call your PCP's office to tell us about your emergency care as soon as possible, usually within 48 hours.

We will talk with the doctors who are giving you emergency care to help manage and follow up on your care. When the doctors who are giving you emergency care say that your condition is stable and the medical emergency is over then you are still entitled to follow-up post-stabilization care. Your follow-up post-stabilization care will be covered according to Medicare guidelines. In general, if your emergency care is provided out of network, we will try to arrange for in-network providers to take over your care as soon as your medical condition and the circumstances allow.

What is covered if you have a medical emergency?

You may get covered emergency medical care and urgent care whenever you need it, anywhere in the United States.

You may get covered emergency medical care and urgent care wherever you need it, worldwide.

Ambulance services are covered in situations where other means of transportation in the United States would endanger your health. (See the benefits chart in the Evidence of Coverage "EOC" for more detailed information.)

How to submit a paper claim for emergency or urgently needed care.

When you receive emergency or urgently needed healthcare services from a provider who is not part of our network, you are still responsible for paying any applicable copayments or coinsurance. You should tell the provider to bill our plan for the balance of the payment they are due. However, if you have received a bill from the provider, please send that claim to: Blue Cross and Blue Shield of LA / HMO Louisiana, Inc., P.O. Box 7003 Troy, MI 48007 so we can consider payment for the services. If you have any questions about what to pay a provider or where to send a paper claim, you may contact Customer Service.

Y0132_19-529_ITLU - Last updated 01/30/2020