Access coverage while traveling
Find out how UMP covers services outside the state of Washington and outside the United States (U.S.).
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The plan covers the same benefits as described in your plan's Certificate of Coverage that are received outside the U.S. when the services are:
- Medically necessary.
- Appropriate for the condition being treated.
- Not considered to be experimental or investigational by U.S. standards.
- Meeting all medical policy criteria.
- Otherwise covered by the plan.
Alert! UMP does not cover prescription drugs ordered through foreign (non-U.S.) mail-order pharmacies. See the "Drugs Purchased Outside the U.S." section of your Certificate of Coverage for more information.
- Always carry your UMP ID card.
- If you need emergency medical care, go to the nearest hospital. If you are admitted to the hospital, call BlueCard Worldwide at 1-800-810-2583 to notify the plan of your admission.
- For non-emergency medical care outside the U.S., call 1-800-810-2583. The service center will help you find the care you need, including hospital care if necessary or an appointment with a provider.
Under BlueCard Worldwide, you have access to network providers outside the U.S., including hospital care (inpatient and outpatient) and professional provider services at network reimbursement rates.
To find a contracted provider outside the U.S., use the BlueCard Worldwide provider search. You may also call 1-800-810-2583 (call collect at 1-804-673-1177) or email email@example.com.
UMP Classic and UMP CDHP
UMP Classic and UMP CDHP members have access to Regence BlueShield preferred providers and Blue Cross and Blue Shield Plan providers worldwide at the network level through the BlueCard and BlueCard Worldwide programs, so your health coverage is with you wherever you are. Your access to care includes most acute care hospitals, urgent care and ambulatory surgery centers, physicians, and other health care professionals.
Inpatient Services at a BlueCard Contracted Hospital
When you receive inpatient care at a hospital contracted with BlueCard Worldwide, you will pay your normal out-of-pocket costs, such as deductible, copayment, coinsurance, and any services not covered by the plan. Contracted hospitals will verify your benefits and eligibility with BlueCard Worldwide and submit a claim; you will pay the provider after the plan processes the claim.
Services at a Non-Contracted Hospital
When you receive services at a hospital not contracted with BlueCard Worldwide, you pay the hospital at the time of service, then submit a claim with an itemized bill from the hospital to the plan for reimbursement. You may ask the non-contracted hospital if they will submit a claim on your behalf. Log in to BlueCard Worldwide to get an international claim form.
Outpatient and Professional Provider Services
If you receive outpatient care outside the U.S., you pay the facility or professional provider at the time of service, then submit a claim to the plan for reimbursement. Covered services by BlueCard contracted providers are paid the same as preferred providers, but the allowed amount may vary. Log in to BlueCard Worldwide to get an international claim form.
UMP Plus members also have access to Regence BlueShield network providers and Blue Cross and Blue Shield Plan providers worldwide through the BlueCard and BlueCard Worldwide programs.
Under UMP Plus, only emergency care and urgent care services are covered at the network level outside the U.S.
Emergency care outside the U.S. is covered at the network rate; you pay 15 percent for most covered services. However, out-of-network providers—providers not contracted with BlueCard Worldwide—may balance bill you.
Urgent care by BlueCard providers is paid at the network rate. However, you’ll pay 50 percent for urgent care services by out-of-network providers, and the provider may balance bill you.
If you receive inpatient services at a contracted hospital, the hospital will submit claims on your behalf.
For care from non-contracted hospitals and for all outpatient care, you pay the provider at the time of service. To receive reimbursement from the plan for covered services, you must submit an international claim to the BlueCard Worldwide service center. Call 1-800-810-2583 (or call collect 1-804-673-1177) for more information. Log in to BlueCard Worldwide to get an international claim form.
When you submit a claim for services received outside of the U.S., the claim and all accompanying documentation (such as medical records) must be translated into English, and the relevant currency exchange rate provided. Specific services, charges, drugs, and dosage must be documented. The plan does not pay for translation or other documentation.
If you have questions about submitting a claim for services outside the U.S., visit Submitting a claim or call UMP Customer Service at 1-888-849-3681.
1-800-810-2583 (or call collect 1-804-673-1177)
UMP Customer Service