By Daniel Abrams


In the current day's working world, many individuals are no longer limited to a cubicle. As an alternative they are on a busy schedule and traveling both nationally and globally for business as well as pleasure.

With coverage nationwide thru the Blue Card program, as well as many international contracts, being able to bring your anthem insurance along with you allows consumers added confidence while on the road.

The national and countrywide networks are knows as Blue Card providers. They employ both their local Anthem Insurance coverage and the patient's home state for Blue Cross Blue Shield coverage. While the claims process takes a bit longer, going from their local carrier to the cardholder's home state to be paid, coverage remains consistent from coast to coast. Nonetheless this is constrained to PPO plans, as HMO only offers out of state care on an emergency basis. In these cases, their main care medical practitioner calls in to authorize treatment within 24 to 48 hours, dependent on the state they reside in.

Anthem Insurance works differently on an international basis. While a large number of global contracts exists around the globe, most claims are paid on a reimbursement basis. This means the patient will need to pay up front for their hospital treatment, and file for repayment when they return home. This can also need the obtaining and on occasions the translating of medical records. International claims can take weeks to process, but can prove invaluable if the claim be processed as a covered benefit.

Blue Cross travel insurance and other kinds of world policies are available for those wishing for more all-encompassing insurance while traveling abroad. Such policies will offer not only illness coverage, but also many extras like trip cancellation, protection for lost luggage, and travel expenses to get you home or a loved one to be by your side while you recover. These policies have low out pocket exposure, offer first dollar coverage, and are extremely cheap. We frequently suggest them to bolster or occur as first health coverage when our clients travel out of the country. The price cannot be beat and the coverage is amazing.




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