Compare Overseas Benefits
View the overseas benefits for Standard Option, Basic Option and FEP Blue Focus.
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.
| Standard Option | Basic Option | FEP Blue Focus | ||
|---|---|---|---|---|
| Primary care doctor | $25 copay | $30 copay | $10 per visit for your first 10 primary and/or specialist visits1 | |
| Specialists | $35 copay | $40 copay | $10 per visit for your first 10 primary and/or specialist visits† | |
| Maternity | $0 copay | $0 copay† | $0 copay† | |
| Inpatient hospital | $0 copay† | $0 copay† | $0 copay† | |
| Outpatient hospital | 15% of our allowance | $100 per day per facility | 30% of our allowance2 | |
| Surgery | 15% of our allowance |
$150 in an office1 $200 in a non-office building1 |
30% of our allowance2 | |
| ER (accidental injury) |
$0 within 72 hours |
$175 per day + cost of doctor care |
$0 within 72 hours |
|
| ER (medical emergency) | 15% of our allowance | $175 per day + cost of doctor care | 30% of our allowance* | |
| Lab work (such as lab tests) | 15% of our allowance | $0 copay1 | $0 for first 10 specific lab tests3 | |
|
Diagnostics services (such as sleep studies, CT scans) |
15% of our allowance |
Up to $100 in an office1 Up to $150 in a hospital1 |
30% 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: 15% of our allowance Mail Service Pharmacy**: Specialty Pharmacy**: |
Overseas Retail Pharmacy: Mail Service Pharmacy**: Specialty Pharmacy**: |
Overseas Retail Pharmacy: Mail Service Pharmacy: Specialty Pharmacy**: |
|
| Out-of-pocket maximum |
Self Only: $5,000 Self + One and Self & Family: $10,000 |
Self Only: $5,500 Self + One and Self & Family: $11,000 |
Self Only: $7,500 Self + One and Self & Family: $15,000 |
† We waive the $350 Standard Option copay, $175 per day Basic Option copay, and the FEP Blue Focus $500 deductible and 30% coinsurance for inpatient care you receive overseas. For Basic Option and FEP Blue Focus, your provider must be a DoD facility or have a direct billing or guarantee of benefits arrangement with GMMI for you to receive this benefit. Otherwise, the Basic Option per day copay and the FEP Blue Focus deductible and coinsurance apply.
* Is subject to the calendar year deductible. The deductible for FEP Blue Focus is $500 per person or $1,000 in total per family. Basic Option does not have a calendar year deductible. Certain out-of-pocket costs do not apply if Medicare is your primary coverage for medical services (it pays first).
** 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 Deductible applies. In addition, you pay 30% of our allowance for agents, drugs and/or supplies you receive during your care.
3 Please see the brochure for covered lab services.
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 brochure (RI 71-017). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.
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
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.)
fepoverseas@gmmi.com
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.