Compare Overseas Benefits
View the overseas benefits for FEP Blue Focus®, FEP Blue Basic™ and FEP Blue Standard™.
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.
Compare Overseas Plans
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 allowance 1 | $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
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 |
Compare Overseas Plans
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 allowance 1 |
$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
Mail Service Pharmacy **: Not a benefit
Specialty Pharmacy
^** |
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 copayTier 5: $110 copay |
Overseas Retail Pharmacy: 15% of our allowance
Mail Service Pharmacy
**:
Specialty Pharmacy **: Tier 4: $65 copayTier 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 |
- † 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.