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Compare Overseas Benefits

View the overseas benefits for FEP Blue Focus, Basic Option, and Standard Option.

You can rest assured, the Blue Cross and Blue Shield Service Benefit Plan has you covered worldwide. Under all three of our coverage options, you pay the difference between our payment and the amount billed, in addition to your cost share amounts unless the Overseas Assistance Center, GMMI, has arranged direct billing with your provider.

Have questions? Review our list of FAQs.

Compare 2023 Plans

FEP Blue Focus Basic Option Standard Option
Primary care doctor $10 copay per visit for your first 10 primary and/or specialist visits $30 copay $25 copay

$10 copay per visit for your first 10 primary and/or specialist visits

$40 copay

$35 copay


$1,500 copay

$250 per admission copay


Inpatient hospital

30% coinsurance

$250 per day copay up to $1,500 per admission
Outpatient hospital

30% of our allowance 1

$150 per day per facility copay

15% of our allowance


30% of our allowance1

$150 copay in an office1
$200 copay in a non-office building1

15% of our allowance

ER (accidental injury)

$0 within 72 hours

$250 per day copay + cost of doctor care

$0 within 72 hours

ER (medical emergency)

30% of our allowance

$250 per day copay + cost of doctor care

15% of our allowance

Lab work (such as lab tests)

$0 for first 10 specific lab tests2

$15% of our allowance2

15% of our allowance

Diagnostics services
(such as sleep studies, CT scans)

30% of our allowance

Up to $100 copay in an office1
Up to $200 copay in a hospital1

15% of our allowance

Prescription Drugs
Drugs purchased outside the U.S. must be equivalent to drugs that by U.S. federal law require a prescription. Overseas prescription drug claims must be submitted within one year of the purchase date.

Overseas Retail Pharmacy^

Tier 1: $5 copay
Tier 2: 40% of our allowance ($350 maximum)

Mail Service Pharmacy **:Not a benefit

Specialty Pharmacy ^**
40% of our allowance ($350 maximum)

Overseas Retail Pharmacy:
30%of our allowance

Mail Service Pharmacy **:Not a benefit unless you have Medicare Part B primary

Specialty Pharmacy **:
Tier 4: $85 copay
Tier 5: $110 copay

Overseas Retail Pharmacy:15% of our allowance

Mail Service Pharmacy **:
Tier 1: $15 copay
Tier 2: $90 copay
Tier 3: $125 copay

Specialty Pharmacy **:
Tier 4: $65 copay
Tier 5: $85 copay


Out-of-pocket maximum

Self Only: $8,500 

Self + One and Self & Family: $17,000

Self Only: $6,500 
Self + One and Self & Family: $13,000

Self Only: $6,000 
Self + One and Self & Family: $12,000

You may be eligible for an extended filling of your prescription

If you take a maintenance medication and you are about to go overseas for an extended period of time, you may be eligible for an extended filling of the prescription before you leave the U.S. This will require a 12-month prescription from your doctor and is not applicable for controlled substances. Contact our Pharmacy Program at 1-800-624-5060 to learn more.

  •  We waive the Basic Option and FEP Blue Focus cost-shares when care is rendered in a DoD facility or your provider has a direct billing or guarantee of benefits arrangement with GMMI.
  • ** In order to receive prescriptions through the Mail Service or Specialty Pharmacy Program, your address must have a U.S. zip code and the prescribing physician must be licensed within the U.S., Puerto Rico or the U.S. Virgin Islands. For countries with laws restricting the importation of prescription drugs from any other country, we cannot ship drugs from our Mail Service Pharmacy Program, or from our Specialty Pharmacy Program to members living overseas, even when you have a valid APO or FPO address. You may continue to receive your prescription drugs from a local overseas pharmacy and submit a claim to us for reimbursement.
  • 1 You pay 30% of our allowance for agents, drugs and/or supplies you receive during your care.
  • 2 Please see the brochure for covered lab services.
  • ^ What you’ll pay for a 30-day supply of covered drugs.

This is a summary of the features of the Blue Cross and Blue Shield Service Benefit Plan. Before making a final decision, please read the Plan’s Federal brochures (Standard Option and Basic Option: RI 71-005; FEP Blue Focus: 71-017). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.

Not sure which plan is right for you?

Our AskBlue FEP Medical Plan Finder tool can help you select the right option for your needs.

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Get In Touch

Overseas Customer Service

Assists with claim filing, enrollment questions, U.S. dollar check reimbursements and more. Weekdays 5 a.m. to 6 p.m. Eastern time.  

1-888-999-9862 (U.S., Puerto Rico or the U.S. Virgin Islands)

Toll-free using the appropriate AT&T Country Code found here (Outside the U.S.)

Overseas Assistance Center

Assists with overseas provider referrals, cashless access/direct billing arrangements, emergency medical evacuations and more.

1-800-699-4337 (U.S., Puerto Rico or the U.S. Virgin Islands)
1-804-673-1678 (Outside the U.S.)

Overseas Provider Network

Explore our network of hospitals, doctors and other providers. Members who find a provider through their MyBlue account have access to additional information.

Find a Provider

Find a Provider in MyBlue

Retail Pharmacy

Assists with questions regarding pharmacy coverage overseas.

1-800-624-5060 (U.S., Puerto Rico or the U.S. Virgin Islands)