Emergency and Urgent Care Outside Hawaii

Here’s what to do in case of an emergency when you’re outside the state of Hawaii

Before leaving Hawaii, review your Guide to Benefits for coverage while away from home. You can also contact HMSA’s Customer Relations department for detailed information about your travel benefits. Always carry your current HMSA membership card while traveling. In case of an emergency, go directly to the nearest hospital. If you’re admitted to the hospital, call the BlueCard Worldwide Service Center at 1-800-810-BLUE (2583) if you’re on the Mainland or call 804-673-1177 toll-free if you’re in another country.

For more information about emergency care, we encourage you to read When to Use the Emergency Room, and Examples of Medical Emergencies, and your current Guide to Benefits.

Here’s what to do if you need urgent care when you’re outside the state of Hawaii

Urgent care is medical care for an unexpected illness or injury that isn’t life threatening but can’t wait until the patient visits a PCP.

Before leaving Hawaii, review your Guide to Benefits for coverage while away from home. You can also call HMSA Customer Relations for detailed information about your travel benefits. If you need urgent care outside of Hawaii, call the BlueCard Worldwide Service Center at 800-810-BLUE (2583) if you’re on the Mainland or call 804-673-1177, 24 hours a day, seven days a week, when traveling outside the U.S. You may also visit the National Doctor & Hospital Finder to locate providers within the U.S. or BlueCard Worldwide to find the nearest participating provider in another country. An assistance coordinator (along with a medical professional) will arrange an appointment or hospitalization, if necessary.

To get the best benefit, visit a BlueCard Worldwide provider. For PPO plans, you will pay a greater share of the total costs if you see a nonparticipating provider. For HMO plans, if care isn’t coordinated through the BlueCard program, your services won’t be covered.

Note: Although The HMSA Children’s Plan covers emergency services, urgent care isn’t a covered benefit.

How are emergency and urgent care services paid?

When you arrive at the hospital or urgent care clinic, the provider will verify your membership using your HMSA membership card and provide your care. When receiving care from a participating BlueCard Worldwide provider, you should not have to complete claim forms. You should not need to pay up front for inpatient services except for the usual out-of-pocket expenses (non-covered services, deductible, copayments, and coinsurance). The hospital that is arranged for you through the BlueCard service center should submit the claim on your behalf.

All outpatient, doctor care, and nonparticipating services may need to be paid in full at the time of service. Please submit information to HMSA for reimbursement, see Filing Medical Claims for Services from Nonparticipating Providers for instructions.If you want to be reimbursed in the foreign currency of the country that you’re visiting, you may file your claim with BlueCard Worldwide instead of HMSA. BlueCard Worldwide claim forms can be found on the BlueCard Worldwide website.

For benefit information and differences in coverage between PPO and HMO plans, see Your Health Plan Benefits Outside the United States.

For additional important information, we encourage you to read: