The Ins and Outs of Out-of-Area Coverage

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Chances are that you and/or a family member(s) will likely fly the coop for distant, or not too distant, shores in the coming months. Should someone get sick or injured, you’ll want to feel certain that you and your family have the health care coverage you need when far from home. Fortunately, CDPHP® members can access a national network* of more than 725,000 doctors just about anywhere in the U.S. By using an in-network doctor, you’ll avoid having to pay for expensive medical services out of pocket.

Before You Leave Town …
Save yourself some headaches and plan ahead before hitting the road:

  • Download the My CDPHP Mobile app to your smartphone and/or tablet. You can use the Find-A-Doc search tool to locate participating providers, urgent care centers, and labs. You can also view your member ID card and check your medical and pharmacy benefits.
  • Make a list of your prescriptions and keep it in your wallet.
  • Most importantly: To limit your financial liability, make sure you contact CDPHP member services at the number on your ID card before you seek services from an out-of-area provider. They can answer your questions regarding coverage for you and your dependents.

In the Event of an Emergency
You and your dependents are covered for emergency care worldwide should you need immediate medical attention to avoid serious damage to your health. Just call 911 or go to the nearest emergency room.

If you have a situation that needs to be handled right away, but you don’t believe it’s an emergency, contact the CDPHP resource coordination department at 1-800-274-2332 for guidance.

Student Coverage
Whether on a parent’s plan or their own, coverage works the same. Most CDPHP plans include the national network, which covers students at home or at school. If your college kid is traveling abroad and experiences a non-emergent situation, contact the CDPHP resource coordination department at 1-800-274-2332 for assistance.

Log In for More Details
Your member contract includes specific information regarding your coverage. You can access it by logging in and clicking My Member Materials.

 

*The national network is provided by CDPHP Universal Benefits,® Inc. The national network does not extend to members of the Federal Employees Health Benefit Plan or the Medicare Choices PPO plans. Members of the HMO plan, which is insured by Capital District Physicians’ Health Plan, Inc. (CDPHP®), are also not eligible for the national network.

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