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Out-of-Country Health Plans

For Retired Members Living outside the U.S. & its Territories
The Anthem Blue Cross PPO Out-of-Country medical plan is the only LACERS medical plan available to you if you reside permanently outside the U.S.1

A summary of the Anthem Blue Cross Out-of-Country Plan Benefits:


Key Features
  • Paid by reimbursement only
  • Claim forms are required
  • Claims may take up to 30 days to be processed upon receipt by Anthem
Medical Services
  • Must meet U.S. standards of care2
Prescription Drugs
  • $10 copay per 30-day supply (All Anthem Blue Cross approved drugs)
  • Copayment will not apply towards your calendar year deductible
Hearing Aids
  • No deductible
  • up to $2,000 per ear every 36 months
Key Plan Benefits
  • $500 deductible/person
  • 70% reimbursement of UCR3 charges
  • Up to $10,000 out-of-pocket maximum per calendar year, 100% reimbursement thereafter
  • Up to $2,000,000 lifetime maximum
  1. Anthem Blue Vision and Delta Dental PPO are also available outside the U.S.
  2. As defined by the American Medical Association
    (www.ama-assn.org)
  3. UCR = Usual and Customary Rates as defined by Anthem Blue Cross
Premium and Deduction Amounts
The premium and deduction amounts for the LACERS Anthem Blue Cross PPO Out-of-Country Plan are the same as for the LACERS Anthem Blue Cross PPO non-Medicare premium, regardless of the age of the member residing outside the U.S.

Note: Anthem Out-of-Country premium and deduction amounts are more costly than LACERS’ Anthem Blue Cross Life & Health Medicare (Medicare Supplement) plan because Medicare does not subsidize the cost of services received outside the U.S.

Will Medicare Cover My Medical Expenses Outside The U.S.?
If you live or travel outside the U.S., Medicare does not cover you. This is because the program provides protection against the cost of hospital and medical expenses you incur while in the U.S. and its territories.

You do not need to enroll in Medicare if you reside permanently outside the U.S. and its territories. However, if you later decide to reside in the U.S., and you are over age 65, you are required to enroll in Medicare in order to enroll in a LACERS medical plan. Centers for Medicare and Medicaid Services (CMS) may impose a lifetime penalty for lapsed Medicare coverage and require you to wait for their Open Enrollment period to enroll in Medicare.

The Anthem Blue Cross PPO Out-of-Country prescription drug coverage provides creditable coverage equivalent to Medicare Part D benefits, so you will not be penalized by Medicare for not having Medicare Part D while out of the country.

Since you will not be enrolled in a Medicare plan, LACERS will not reimburse your Medicare Part B premiums while you are enrolled in the Anthem Blue Cross PPO Out-of-Country plan.

Contact the Social Security Administration (SSA) for more information regarding Medicare rules, regulations or penalties that may affect your medical plan coverage should you return to the U.S. to reside.