We offer reasonable pricing health care plans, insurance packages based on
financial conditions of clients.
When filing a claim for covered services, bills and receipts should be itemized and show:
The process to submit a claim online is simple: login to the Member Portal with your username and password. Once inside the portal, under the Secure Forms tab, select “Submit A Claim.” Follow the screen prompts to upload your PDF claim documents. You have the option to include questions or comments, or to send your claim to a specific Health Benefits Officer. Please ensure your name and member ID number appear on the claim.
If you are serving overseas, note that using State Department mail (Pouch Mail) will delay your claim’s processing significantly.
FSBP has a special arrangement with the e-Cleveland Clinic to provide our members with the option of a second opinion for certain diagnoses received from a foreign provider. The Overseas Second Opinion benefit provides access to nationally recognized specialists for a second opinion via the e-Cleveland Clinic. Once you obtain the second opinion, you choose whether to proceed with the original course of treatment, seek out another opinion, or arrange care with an alternate physician. To determine if you are eligible to participate, e-mail the Plan at [email protected].
If you would like to see a second provider of your choice while serving overseas, the consultation and any medically necessary tests or services will be covered in the same way as any overseas provider. See Overseas.
FSBP was designed to make it easy for our members to receive the healthcare they need while overseas – anywhere in the world. Simply see the healthcare provider of your choice, pay your bill, and send us an itemized receipt along with the contact information of the provider. No translation or currency exchange information is necessary. (See Claims for more detailed instruction.)
FSBP staff focuses on building new relationships with providers that can serve large populations of our membership. We rely upon support from local experts, including Regional Medical Officers and staff, and administrative staff at embassies, consulates, and military bases. While we may be unable to pursue every suggestion, you are welcome to share your recommendations about providers that may serve our membership well. Please contact us.
For those benefits where copayments, coinsurance or deductibles apply, we pay 100% of the Plan allowance for the rest of the calendar year after your expenses total to:
For Self Plus One and Self and Family enrollments, once any individual family member reaches the Self Only catastrophic protection out-of-pocket maximum during the calendar year, that member’s claims will no longer be subject to associated cost-sharing amounts for the rest of the year. All other family members will be required to meet the balance of the catastrophic protection out-of-pocket maximum.
Any expenses incurred that apply toward the catastrophic out-of-pocket maximum for in-network or out-of-network apply toward both in and out-of-network limits.
This catastrophic protection out-of-pocket maximum is combined for medical/surgical, mental health/substance misuse disorder, and pharmacy. There are some expenses that do not fall under this provision; see your FSBP Brochure , Section 4, Your Costs for Covered Services.