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Benefits

Travel Coverage

Learn more about your health coverage available for out of country travel. Whether your travel is for business or pleasure, one week, or several months, you can find the resources you need here.

Personal Travel – Anywhere in the World

If you have a medical emergency while you are more than 100 miles away from home, you don’t have to face it alone. With one simple phone call, you can be connected to Assist America’s staff of medically trained, multilingual professionals who can advise you in a medical emergency, 24x7. No matter where you are in the world, they will help you access or receive:

  • Pre-qualified, English –speaking professionals working in hospitals, pharmacies, and dental offices,
  • Medical consultation, evaluation, and referral,
  • Hospital admission,
  • Critical care monitoring,
  • Emergency medical evacuation,
  • Transportation to return home or to a rehabilitation facility,
  • Lost prescription assistance,
  • Legal and interpreter services, and more

You or your family (whether traveling together or separately) can activate Assist America’s emergency services with one call to the number on your Assist America ID card (see attachment). Assist America pays for 100% of the services it arranges for and provides. For further assistance, call 1-800-872-1414 (within the US) or 609-986-1234 (outside the US)

Assist America ID Card

 

Traveling Abroad on University of Kentucky Business

UK has an employee travel assistance plan that is called Executive Assistance, and it offers executive and emergency services for UK employees traveling on UK business. It offers evacuation in the case of a political crisis, as well as assistance with replacement of lost documents and other emergencies. This service is available to UK employees traveling on UK business, regardless of their health insurance plan. Again, this is an assistance service for crises, but is not a medical insurance policy. You should carry your Executive Assistance card with you as well, when you travel on UK business. Please refer to the Risk Management site (link below) for more information.

Risk Management

 

 

Traveling Abroad for Extended Periods of Time

 When you’re a Blue Cross Blue Shield Plan member, your coverage travels with you, through the use of the UK Indemnity Plan. This plan, also referred to as the BlueCard Program, gives you access to doctors and hospitals almost everywhere, giving you the peace of mind that you’ll be able to find the healthcare provider you need.  See the links below for more information. For further assistance, call 1-800-810-BLUE (2583)

BlueCard Brochure

BlueCard Worldwide Claim Form

 

Traveling Out of the Country for Brief Periods (e.g. vacations less than one month)

 

Anthem BlueCard Worldwide

ONLY EMERGENCY SERVICES ARE COVERED OUT OF THE COUNTRY, UNLESS ENROLLMENT FOR INDEMNITY PLAN IS COMPLETED

  • Verify your international benefits with Anthem by calling the customer service number on the back of your ID card before leaving the United States.  Coverage may be different outside the country.
  • Always carry your current Medical Plan ID card.
  • In an emergency, go directly to the nearest hospital.
  • Call the BlueCardWorldwide Service Center at 1.800.810.BLUE (2583) or collect at 1.804.673.1177, 24 hours a day, seven days a week for information on doctors, hospitals, and other healthcare professionals or to receive medical assistance services around the world.  An assistance coordinator, in conjunction with a medical professional, will help arrange your out of country emergency, if necessary.
  • Call the BlueCardWorldwide Service Center when you need emergent inpatient care. In most cases, you should not need to pay upfront for inpatient care at participating hospitals except for the usual out-of-pocket expenses. The hospital should submit your claim on your behalf.
  • You will need to pay upfront for care received from a doctor and/or non-participating hospital. Then, complete an international claim form and send it with the bill(s) to the BlueCardWorldwide Service Center (the address is on the form).The claim form is available from your Blue Plan, the BlueCardWorldwide Service Center, or on-line at www.bcbs.com/bluecardworldwide.

 

Incurring Medical Claims Out of Country

Generally speaking, foreign hospitals are not willing to file for insurance for ER visits and short stays. They expect cash via your personal credit card. You can file the claim with Anthem when you return home.  If the hospital stay is going to be for several days, foreign hospitals become willing to work with the insurance company.  When this occurs, Anthem will negotiate with the hospital and pay the claim.