Serving abroad as a missionary, volunteer, or faith-based worker can be an incredible calling, but it comes with unique challenges. That's why BCBS Global Solutions offers a Missionary Insurance Plan designed to protect you and your loved ones, no matter where your mission takes you. Whether you're working in a remote village, serving in a bustling city, or volunteering with humanitarian organizations, our plan ensures that you have access to world-class healthcare when you need it the most.
Key Features:The deductible for the BCBS Global Solutions Missionary Insurance plan depends on the plan option you select, as well as your location (whether you're outside the U.S., in-network in the U.S., or out-of-network in the U.S.).
| Plan Options | Deductible Outside U.S. | Deductible U.S. In Network | Deductible U.S. Out of Network | Coinsurance Maximum |
|---|---|---|---|---|
| 0 | $0 | $0 | $0 | $1,000 |
| 250 | $125 | $250 | $500 | $2,000 |
| 500 | $500 | $500 | $500 | $3,000 |
| 1,000 | $500 | $1,000 | $2,000 | $4,000 |
| 2,500 | $1,250 | $2,500 | $5,000 | $8,000 |
| 5,000 | $2,500 | $5,000 | $10,000 | $10,000 |
The BCBS Global Solutions Missionaries Insurance is a comprehensive international health insurance plan designed for U.S. citizens, permanent residents, and expatriates living or working abroad for extended periods. It provides worldwide medical protection with no annual or lifetime coverage limits, making it ideal for individuals and families seeking long-term global healthcare security.
Outside U.S |
U.S.(In Network) |
U.S.(Outside Network) |
| Lifetime Maximum per Insured Person | ||
| Unlimited | Unlimited | Unlimited |
| Annual Maximum per Insured Person | ||
| Unlimited | Unlimited | Unlimited |
| Preventative Care For Babies/Children: (Birth to Age 18) a. Office Visits/examination b. Immunizations, Lab work & X-rays |
||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Preventative Care for Adults: (Age 19 and Older)a. Routine Pap Smears, annual mammogram b. PSA For Men c. Annual Physical Examination Health Screening d. Diagnostic lab work & X-rays |
||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Annual Physical Examination/Health Screening, Subject to a $750 Maximum per Calendar Year and limited to one per Calendar Year | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Primary Care Office Visits | ||
| All except a $10 copay per visit | All except a $30 copay per visit | 60% to Coinsurance Maximum then 100% |
| Urgent Care Facility | ||
| 100% | All except a $75 copay per visit | 60% to Coinsurance Maximum then 100% |
| Professional Services Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab work. |
||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Surgery, X-rays, in-hospital doctor visits, Organ/Tissue Transplant | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Hospital medical emergency | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Hospital medications | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulance Service | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Dental care due to accident | ||
| $1,000 per year, $200 per tooth | $1,000 per year, $200 per tooth | $1,000 per year, $200 per tooth |
| Acupuncture and Chiropractic Services | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Durable Medical Equipment | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Infusion Therapy | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Physiotherapy and occupational therapy, up to 20 consultations per calendar year | ||
| 100% no deductible | 100% no deductible | 100% no deductible |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Inpatient Mental Health | ||
| 100% up to 60 days | 80% up to the maximum coinsurance limit, then 100% | 60% up to the maximum coinsurance limit, then 100% |
| Outpatient Mental Health | ||
| 100%, No Deductible $10 Copayment | 100%, No Deductible $10 Copayment | 60% to Coinsurance Maximum then 100% no deductible |
| Inpatient Substance Abuse | ||
| 100% up to 60 days detox | 80% up to 60 days detox | 60% up to 60 days detox |
| Outpatient Substance Abuse | ||
| 100%, No Deductible $10 Copayment | 100%, No Deductible $30 Copayment | 60% to Coinsurance Maximum then 100% |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Basic Prescription Drug Benefit Subject to $1000 Maximum per Insured Person per Policy Period | ||
| 100% up to 60 days | 80% up to 60 days | 60% up to 60 days |
| Optional Rider. Subject to $25,000 Maximum per Insured Person per Policy Period | ||
| 100% of actual charges | Generics: 100% after $10 copay Brandname: 100% after $10 copay Injectables: 70% |
Generics: 100% after $10 copay Brandname: 100% after $10 copay Injectables: 70% |
| Inpatient Substance Abuse | ||
| 100% of actual charges | Generics: 100% after $10 copay | 100% of actual charges |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Emergency Medical Transportation | ||
| Up to $250,000 | N/A | N/A |
| Repatriation of Remains | ||
| Up to $25,000 | N/A | N/A |
| Accidental Death & Dismemberment | ||
| $50,000 | $50,000 | $50,000 |
Outside U.S | U.S.(In Network) | U.S.(Outside Network) |
| Home Health Care, Subject to a maximum of 30 visits per Calendar Year | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Hospice, Subject to a maximum of $5,000 per lifetime | ||
| 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
BlueCross BlueShield plans come with key features designed to provide peace of mind while traveling:
Our support team is ready to assist you.
Yes, pre-existing conditions can be covered, but the coverage depends on your prior health insurance history.
The insurance provides coverage for emergency medical care, routine healthcare, mental health services, medical evacuation, prescriptions, and more.
Yes, the plan covers both U.S. in-network and out-of-network healthcare, but it is primarily designed for those living and working outside the U.S.
The coinsurance maximum is the maximum amount you will pay for coinsurance after meeting your deductible. Once this amount is reached, the plan will cover 100% of your medical costs.
Yes, you can apply for coverage even if you are already abroad, as long as you meet the eligibility criteria and are involved in missionary or NGO work.
Yes, if your mission is extended, you can contact BCBS to extend your coverage to ensure you remain protected for the full duration of your mission.
To file a claim with BCBS Global Solutions Missionaries Insurance, follow these steps:
Download Form
Get claim form online
Fax
+1 610 482 9623
Submit Documents
Mail to Blue Cross Blue Shield Global Solutions, P.O. Box 1748, Southeastern, PA 19399-1748, USA
Email Help
claims@bcbsglobalsolutions.com
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