Compare Overseas Benefits

You’re covered worldwide

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, GeoBlue®, has arranged direct billing with your provider.

Please note that the FEP Medicare Prescription Drug Program (MPDP) is only available to residents of the U.S. or a U.S. territory—it does not work outside of the U.S.

Have questions about our overseas coverage? Review our list of FAQs.

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What you’ll pay out-of-pocket for common services

	FEP Blue Focus^®	FEP Blue Basic™	FEP Blue Standard™
Global care through Teladoc Health®	Nothing	Nothing	Nothing
Primary care	Waived overseas	Waived overseas	Waived overseas
Specialists	Waived overseas	Waived overseas	Waived overseas
Mental health visits	Waived overseas	Waived overseas	Waived overseas
Maternity	$0 copay with GOB	$0 copay with GOB	$0 copay with GOB
Inpatient hospital	$0 copay with GOB¹	$0 copay with GOB	$0 copay with GOB
Outpatient hospital	30% of our allowance¹	$250 per day per facility copay¹	15% of our allowance
Surgery	30% of our allowance	$150 copay in an office setting¹ $200 copay in non-office setting¹	15% of our allowance
ER (accidental injury)	Waived overseas	Waived overseas	Waived overseas
ER (medical emergency)	Waived overseas	Waived overseas	Waived overseas
Lab work (such as lab tests)	$0 for first 10 specific lab tests²	$15% of our allowance¹	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 $250 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^{^}: Generics: $5 copay Preferred brand: 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^: Preferred specialty: $120 copay Non-preferred specialty: $200 copay	Overseas Retail Pharmacy: 15% of our allowance Mail Service Pharmacy^: Generics: $15 copay Preferred brand: $90 copay Non-preferred brand: $125 copay Specialty Pharmacy^: Preferred specialty: $65 copay Non-preferred specialty: $85 copay
Annual deductible	Waived overseas	Waived overseas	Waived overseas
Out-of-pocket maximum	Self Only: $9,000 Self + One and Self & Family: $18,000	Self Only: $7,500 Self + One and Self & Family: $15,000	Self Only: $6,000 Self + One and Self & Family: $12,000

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What you’ll pay out-of-pocket for common services

	FEP Blue Focus^®	FEP Blue Basic™	FEP Blue Standard™
Primary care	$10 copay per visit for your first 10 primary and/or specialist visits	$35 copay for primary care¹	$30 copay for primary care
Specialists	$10 copay per visit for your first 10 primary and/or specialist visits	$45 copay for specialists¹	$40 copay for specialists
Maternity	$1,500 copay^{^†}	$250 per admission copay^†	$0
Inpatient hospital	30% coinsurance^†	$250 per day copay up to $1,500 per admission^†	$0
Outpatient hospital	30% of our allowance¹	$150 per day per facility copay	15% of our allowance
Surgery	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 allowance¹	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: $9,000 Self + One and Self & Family: $18,000	Self Only: $6,500 Self + One and Self & Family: $13,000	Self Only: $6,000 Self + One and Self & Family: $12,000

^† We waive the FEP Blue Basic 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 GeoBlue®.
^** 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 (FEP Blue Standard and FEP Blue Basic: RI 71-005; FEP Blue Focus: 71-017). All benefits are subject to the definitions, limitations, and exclusions set forth in the federal brochure.

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.

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 (FEHB: U.S., Puerto Rico or the U.S. Virgin Islands)

1-804-673-1678 (FEHB: Outside the U.S.)

+1 484-776-1200 (PSHB)

fepoverseas@geo-blue.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

Retail Pharmacy

Assists with questions regarding pharmacy coverage overseas.

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