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• Your Health Plan Benefits Outside the U.S.

  HMSA members, except those covered by The HMSA Children's Plan, have benefits for medical services outside the U.S. through the BlueCard Worldwide network.

• Will I Receive a Report to Member in the Mail?

  To save money and support green practices, HMSA doesn't mail paper copies of the Report to Member to PPO and HMO members for medical and vision claims. Learn how to get them.

• Why Your Cost may be More when You See a Nonparticipating Provider

  Learn why you're charged more when you see a nonparticipating provider instead of a participating one.

• Where to Mail Your Claim for Medical Services and Supplies

  Learn where to send your claims for medical services and supplies.

• View Dental Claims Online

  Your dental claims information is accessible online through My Account on hmsa.com.

• When You Don't Recognize a Provider on Your Report to Member

  Don't worry if you see a name you don't recognize on your report to member. The provider may have asked for laboratory, diagnostic, anesthesia, or other service with no direct contact with you.

• When Prior Approval (Precertification) is Denied or Not Requested

  If your precertification request is denied and you disagree with HMSA's decision, you or your provider may submit an appeal.

• What's an Eligible Charge?

  The eligible charge is the lower of the participating provider's actual charge or HMSA's maximum allowable fee.

• What's a Report to Member?

  The Report to Member is an explanation of benefits. It is not a bill for services or supplies.

• What's an Annual Deductible?

  The annual deductible is a fixed dollar amount you pay for covered services each calendar year or plan year before HMSA will pay for certain services.

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