Blue Transitions | Temporary Health Insurance
Blue Transitions Gives You the Choices You Need
Sometimes you have to wait for permanent health insurance coverage to begin, whether you are waiting for your employer coverage to begin or are in between jobs. That’s why Blue Transitions offers you the freedom of choice to pick a benefit period that best meets your time-frame. Choose between 1, 2, 3, 4, 5, or 6 months of coverage.
As a member of Blue Transitions, you also can choose your deductible. Choose between $500, $1,000, $1,500, $2,000, $2,500 or $5,000 depending on your individual needs and budget.
Frequently Asked Questions
How does Blue Transitions work?
To receive benefits (except in cases of emergency), you must see a participating health care provider within the Blue Choice® network. After your deductible is met, Blue Transitions covers 80 percent of in-network eligible expenses, including:
Inpatient expenses for hospital admission:
- Semiprivate room and board
- Intensive care or coronary care unit
- Physician care such as physician visits, surgeon, and anesthesiologist
- Services of physicians or other professional providers
- Short-term rehabilitation (therapies)
- Diagnostic X-ray, laboratory procedures, and other diagnostic tests
- Ambulance services
- Supplies and durable medical equipment
- Prosthetics and orthotics
- Home infusion therapy
- Prescription drugs and medicines (not used in a hospital) up to a maximum benefit of $750 per member per Benefit Period (after separate $200 prescription drug deductible)
Who is eligible for Blue Transitions?
- Oklahoma residents between 60 days and 65 years of age
- Anyone not currently pregnant or anticipating the birth or adoption of dependent children, unless required by court order
- Unmarried, dependent children between 60 days and 25 years of age
When does coverage begin?
Your benefit period for Blue Transitions will begin on the later of the requested effective date; or the day after the postmark date affixed by the U.S. Post Office*
*If the envelope containing the application is not postmarked by the U.S. Post Office, or if the postmark is not legible, the effective date will be the latter of a) the requested effective date; or, b) the date received by Blue Cross and Blue Shield of Oklahoma.
What if I need coverage for a longer time?
Blue Transitions is not renewable. However, if you need coverage beyond your initial benefit period, you may apply for another policy if there has been no significant change in your health. If you obtain your first policy and then a second policy with no more than a 60-day break in coverage between them, you will have to wait at least 61 days before reapplying – if you decide to buy another policy.
Any condition that may have existed or occurred under the prior policy will be a pre-existing condition under the later policy and will not be covered.
What doctors can I visit?
Blue Transitions uses the Blue Choice® PPO network of participating doctors, hospitals and health care providers. As Oklahoma’s largest PPO network, Blue Choice offers thousands of Preferred Providers across the state. By visiting the Provider Finder on www.bcbsok.com, you can search online for participating network providers by name, specialty or location.
If you use a non-Preferred Provider (a provider not in the Blue Choice PPO network), you will receive benefits at a lower rate and may be responsible for additional charges from your provider.
As a member of Blue Transitions, you’ll also gain access to the BlueCard PPO program, a nationwide network of providers offering you health care protection while you travel out-of-state.Any condition that may have existed or occurred under the prior policy will be a pre-existing condition under the later policy and will not be covered.
How does BlueCard® work?
- Simply call the BlueCard Access number listed on the back of your membership ID card (1-800-810-2583) while traveling outside of Oklahoma for information on the nearest BlueCard PPO doctors and hospitals.
- With the exception of emergencies, Blue Transitions members are responsible for contacting Blue Cross and Blue Shield of Oklahoma to obtain prior approval for hospital admissions and certain outpatient services. Members may refer to the prior approval phone number found on the back of their ID cards.
- Present your ID card at the doctor’s office or hospital. Staff will verify your membership and coverage information.
- Participating BlueCard providers will file claims for you and will be compensated for covered services by Blue Cross and Blue Shield of Oklahoma.
- Any non-covered services, as well as deductible and coinsurance amounts will be the responsibility of the member.
Learn more about Blue Transitions