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What is the BlueCard Program

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The BlueCard Program enables members obtaining health care services while traveling or living in another plan’s service area to receive the benefits of the Blue Cross and Blue Shield plan listed on their insurance card and to access local plan’s provider networks and savings.  
Variations in provider contractual arrangements may impact the delivery of benefits. Through a single electronic network for claims processing and reimbursement, the Blue Cross and Blue Shield plan listed on the member’s ID card handles eligibility and benefit determination and gains access to health care providers participating in the local Blue Cross and Blue Shield plan’s network.  
More than 85 percent of all doctors and hospitals throughout the United States contract with Blue Cross and Blue Shield Plans. Outside of the United States, members have access to doctors and hospitals worldwide. Not only can members take advantage of savings that the local Blue plan has negotiated with providers, members do not have to complete a claim form or pay up front for health care services, except for out-of-pocket expenses, such as deductibles, co-payments and coinsurance.  
BlueCard® Program Advantages
The BlueCard Program allows you to submit claims for members from other BCBS Plans including international BCBS Plans, directly to Anthem Blue Cross and Blue Shield. Anthem Blue Cross and Blue Shield will be your one point of contact for most of your claims-related questions. 
Claims and Products Included in the BlueCard® Program
The BlueCard Program applies to all inpatient, outpatient, and professional claims. Traditional, PPO, POS, and HMO products are included in the BlueCard Program. The following products are optional under the BlueCard Program:  

Stand-alone dental and prescription drugs

Stand-alone vision and hearing

Medicare supplemental

 
Products Excluded from the BlueCard® Program
Medicare+Choice is excluded from the BlueCard Program. You must file Medicare+Choice claims with the member’s BCBS Plan. 
Accounts Exempt from the BlueCard® Program
Claims for the Federal Employee Program (FEP) are exempt from the BlueCard Program. Please follow your FEP billing guidelines. 
BlueCard Program Details:
Back to the BlueCard Homepage
What is the BlueCard Program?
How Does the BlueCard Program Work?
What Products are Included?
Frequently Asked Questions
Glossary of Program Terms
The BlueCard Program Provider Manual (PDF 199KB)
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use