Blue Cross Blue Shield Overseas Claim: Fill & Download for Free

The Blue Cross Blue Shield Association (BCBSA) was originally founded in 1929 primarily to provide health insurance to people in the United States. For many years, Blue Cross and Blue Shield were separate organizations with the former providing insurance for hospitalization and the latter medical insurance to pay for professional services like physicians.In 1982, the two merged. At that time, most of the association plans were not-for-profit organizations and today many still are. There are currently 36 members of the association, with at least half of them still being not for profit.In theory, this means that more of your (and your employers) premiums go towards providing medical care instead of stockholders and this is why most Blue Cross plans have ‘medical loss’ ratios that are much higher than their for-profit competitors.The association provides a number of services for its members, and these services help their members manage costs for health care. One of these is its inter-plan system that provides each plan the ability to offer in-network coverage throughout the US and overseas by allowing the ‘host’ plan (where the services are provided to the association member) to process the insurance claims and pay the health care provider, then charge the cost back to the ‘home’ plan.In effect, it provides each plan a national network of providers and helps to lower costs for all members as in-network providers usually agree to be reimbursed for services based on an agreed amount and also to not charge the member for the difference not paid by the plan. Out of network providers can and do bill the difference to the member.

If you coukd use a friend’s address or a UPS store account ( they deliver for all carriers Fedex UPS USPS but ideally you should have a physical address). Coukd you use a family or friend’s address? My friend was in Australia for a year and they sent all her mail to that address but she had an address whike she was living there.There is insurance for American’s abroad. If you don’t have a permanent address, you won’t be able to receive updates or ID card and other important and relevant information.I’ve not sold travel insurance in years so I found some links for you.Blue Cross Blue Shield Travelhttps://www.geobluetravelinsurance.com/product_overview.cfm?link_id=92606&gclid=EAIaIQobChMIq5uilf-y2QIVCIN-Ch1OKg7eEAAYAiAAEgInI_D_BwEInsurance Providers for Overseas Coverage. From the Dept of StateTravel Medical Insurance: Easy Step-by-step Guide. This has helpful suggestions.If you want someone to help you, look for an insurance agent where you are now that sells individual plans or travel insurance. They don’t charge since they are paid by insurers or I should say they shouldn’t charge you.See if you can get it for the entire time you are traveling since it might be difficult to pay premiums abroad. If you explain your planned time away from the states, it would help finding a plan. It’s not meant to be permanent.If you have Medicare, Medicare does NOT cover travel abroad. Employee benefit plans ( from your employer) only cover emergencies but you will need to have an address in that carriers service area. They will pay to move you buy air ambulance if necessary. You will need to have any bills translated to English. It will speed things up, especially if you go to exotic places or places that don’t use our alphabet. I had a case when I worked for a carrier that declined.a claim in Arabic letters because they said this bill could be for a carpet for all I know. I got it translated but it was not easy at that time.I hope this helps. Perhaps you will get specific recommendations from other Quorans.

In a word - ignorance - because the logic of any comparison is fatally flawed along 4 axis.The product being insured. It's relatively easy to apply actuarial science to a mass produced product (like a car) with a history of relative safety (under normal operating conditions). The human body is vastly different in countless ways. Even with "regularly scheduled maintenance," the human body fails in a variety of ways that are incredibly expensive to diagnose and treat. We can cure Hepatitis C today - but the cost of the treatment is about $100,000 - and that's one disease. There are thousands of others.The purpose of the insurance. For auto insurance - the primary purpose is to protect the insured against financial damages inflicted on other people (or property) while operating a car - which can be significant - including death. Protection against theft or natural damage (flood, tornado etc...) is a small - almost insignificant portion of the actual coverage - and no insurance (other than expensive manufacturer "extended warranties") covers the mechanical functioning of the car. In health care, insurance is strictly financial protection against what are logically very expensive parts and services on/for the human body.Cost. If I total my car in an "accident," a replacement claim to the insurance carrier is relatively minor compared to what's possible in healthcare. Here's an example of a hospital bill - for a single birth - that resulted in a lengthy (but successful) NICU charge.Time. Cars today are manufactured to such high tolerances that they rarely fail - and when they do - they often have on-board computers to help with diagnosis. Even with the best of "preventative maintenance" and lifestyle choices, we don't know how much healthcare we'll need or when we'll need it - and what hangs in the balance is literally life or death.As Lloyds of London has proven - literally everything can be insured - so the process of applying (or simply ignoring) actuarial science is universal to any thing imaginable and (of course) life itself, but that science isn't the same for healthcare as it is for cars. This is also why some of the biggest health insurance companies like the Association of Blue Cross Blue Shield companies (with over 100 million covered lives in the U.S.) specialize in healthcare - and they don't compete with Progressive for auto coverage.Similarly - if you go to the Geico website right now - you'll find an incredibly long list of insurance products:Auto InsuranceMotorcycle InsuranceATV InsuranceUmbrella InsuranceHomeowners InsuranceRenters InsuranceCondo InsuranceCo-op InsuranceRV InsuranceLife InsuranceBoat InsurancePersonal Watercraft InsuranceFlood InsuranceMobile Home InsuranceOverseas InsuranceTravel InsuranceCommercial Auto InsuranceRidesharing InsuranceBusiness InsuranceIdentity ProtectionSnowmobile InsuranceCollector Car InsurancePet InsuranceNowhere in that long list is health insurance.