If your plan has the BlueCard Program, you’re covered when you need care across the United States.
BlueCard enables eligible members to receive medical care no matter where you are in the United States. When you need care, you can take advantage of savings the local Blue Cross and/or Blue Shield plan has negotiated with its doctors and hospitals.
Locating participating BlueCard doctors and hospitals is easy:
You will need your member ID card when you use any of these options.
When you are outside the Horizon service area and need medical care, always use a BlueCard-participating doctor, hospital or other health care professional to ensure you receive the highest level of benefits. However, in an emergency, you should always go directly to the nearest hospital.
When you receive a covered service, you should not have to pay any amount above the local Blue Cross and/or Blue Shield plan’s negotiated rate and any applicable out-of-pocket expenses that you would normally be responsible for under your Horizon plan (such as any deductible, copayment or coinsurance). You should not need to complete any claim forms. After your claim is processed, you will receive an Explanation of Benefit from Horizon.