In a tough economy, businesses want value-added services to pass along to their employees traveling abroad. When selling or retaining BlueOptions^® or BlueChoice^® groups, be sure to point out the benefits of the BlueCard Worldwide^® and BlueWorldwide Expat^SM programs.

As the demands of a multinational business require employees to travel abroad, your groups can have trusted health benefits, plus access to a comprehensive network of highly qualified international providers and hospitals, and 24-hour customer support. This not only meets the diverse needs of their workforce and families who work and/or live anywhere in the world, it also helps them recruit and retain other qualified employees who are willing to travel out of the country.

With BlueCard Worldwide, international business travelers and expatriates are protected abroad just as they are at home. And since BlueCard Worldwide is a feature that is included with BlueOptions or BlueChoice plans, there is no special enrollment or increase to premium.

This program gives members access to doctors, hospitals and health care benefits––across the country and around the world. Members can locate doctors and hospitals quickly and easily through the BlueNational Doctor and Hospital Finder on www.bcbsfl.com, go to “Find a Doctor or Hospital” under Quick Links, then select “worldwide” at the bottom. Or they can call BlueCard Access^® at 1-800-810-BLUE. Outside of the U.S., members can call collect to 1-804-673-1177.

Take a look at our brochure which also includes information on how the BlueCard^® program works within the United States.

BlueWorldwide Expat is an exclusive, comprehensive health care product that provides coverage for employees of U.S. companies who are working and living overseas. It is a separate global solution for traditional expatriate employees and their dependents that live and work outside the U.S. for most of the year.

Groups can choose from Standard or High Option benefit plans that provide coverage for services such as preventive care, inpatient and outpatient hospital care, dental and prescription coverage. It can be sold with a group health plan or as standalone, and is competitively priced—employees and dependents are age rated. Custom benefits are also available to groups with more than 15 expatriate employees.

Take a look at our brochure for more details on how BlueWorldwide Expat works.

Here is a comparison of BlueCard Worldwide and BlueWorldwide Expat:

Full Time Employee Who Is…	Who	Recommended Solution
…an International Business Traveler	Is a U.S. citizen Travels abroad Resides in U.S.	BlueCard Worldwide
…a U.S. Inpatriate	Is a Foreign National Lives and works in the U.S. May have dependents in the U.S. as well	BlueCard Worldwide
…a U.S. Expatriate	Is a U.S. citizen Lives and works outside the U.S. May have to spend more than 45 days back in the U.S. May have dependents in the U.S.	BlueCard Worldwide
…a U.S. Expatriate	Is a U.S. citizen Lives and works outside the U.S. for at least one year Will not spend more than 45 days in the U.S. Does not have dependents in the U.S.	BlueWorldwide Expat

Please also review a comparison chart of our National and International Coverage that includes BlueCard^® program and Away From Home Care^® along with BlueCard Worldwide and BlueWorldwide Expat.