Here’s the deal with Blue cross:

There are about 50 S’pore providers in the blue card network. If we see these doctors, then generally we would get 100% reimbursed as they are considered “in-network” by the insurance company (Empire Blue).

Often these Singapore doctors don’t know US insurance nitty gritty, but they probably know if they are “contracted” or participating with blue cross blue shield. So it’s good to confirm with them before going.

If Empire Blue doesn’t consider these providers as in-network, then we have the option to dispute, because these providers are listed on the blue card website.

If we have no time to dispute, or if we simply use any doctor in Toa Payoh, then we would still be covered as out-of-network, usually at 70% after deductible.

Like UnitedHealthCare, Emergencies are always covered in-network, with any Singapore doctor, so for every visit, try to persuade the doctor to write “emergency” on the bill.

__TAN, Bin (Victor) 212-357-0287 [180ML 13F] PWM IT — Commissions__