Services are covered if you could reasonably expect the absence of medical attention to result in placing your health in serious jeopardy, serious impairment to bodily functions or serious dysfunction of any bodily organ or part.Īm I covered if I travel outside the United States?Īs a Blue Cross Blue Shield member, you and your covered dependents can receive treatment while traveling, including outside the United States. *The definition of a medical emergency is based on the perspective of an ordinarily prudent layperson. Routine care from out-of-network providers is not covered. If I travel and require health care while away, will it be covered?Īs a plan participant, emergency medical services outside of the Blue Cross Blue Shield National network and Caterpillar NetWork are always covered, with no preauthorization required.* If you're unsure if your condition warrants emergency attention, contact Blue Cross Blue Shield: Contact Blue Cross Blue Shield for preauthorization requirements and network providers. Is chiropractic care covered by the Blue Cross Blue Shield plan option? Are there chiropractors in the network? You will receive a dental ID card from Cigna. The dental coverage is the same as the Caterpillar PPO dental plan and is administered by Cigna. All participants who enroll in the Blue Cross Blue Shield plan option will use the Caterpillar Drug Formulary. Under the BCBS plan option, prescription drug coverage is administered by Caterpillar’s prescription benefit manager, Magellan Rx. You will be responsible for the entire cost of the claims. What if I use a doctor or hospital that isn't in the network?īlue Cross Blue Shield will not cover any benefits to out-of-network providers. To find a provider, visit BCBS's website: How do I find doctors or hospitals in the Blue Cross Blue Shield network? The 2nd.MD benefit is currently not available to BCBS members. Note: UHC members can use 2nd.MD for second opinions.
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