Short-term/Travel Health Insurance
Blue Transitions is affordable, temporary health insurance for individuals and families from Blue Cross and Blue Shield of New Mexico (BCBSNM). It provides you, your spouse, and your children essential, basic protection against unexpected accidents or illnesses. Blue Transitions does not cover conditions that are present when you apply for coverage, and it does not cover preventive services. Blue Transitions offers various benefit periods and deductibles to let you tailor coverage, premium rates, and out-of-pocket expenses to your own needs and budget. To obtain benefits under Blue Transitions, you must use our in-network/Preferred Providers (except in an emergency).
You are eligible for Blue Transitions if you are:
- A New Mexico resident at least 60 days old or under 65 years old
- A U.S. citizen or a permanent resident living in the U.S. at least two years
- Not currently pregnant
- Not anticipating adding newborns or children to the policy except if required by court order
- An unmarried dependent child at least 60 days old or under 25 years old
- Not on Medicare or Medicaid
The benefit period you choose (from one to six months of coverage) begins on either the requested effective date, or the day after the application is postmarked by the United States Post Office, whichever is later.
Note: If the envelope containing the application is not postmarked by the United States Post Office or the postmark is not legible, the effective date will be either the requested effective date or the date the application is received by BCBSNM, whichever is later. Also, your coverage begins at 12:01 a.m. on the effective date shown on the BCBSNM member ID card.
Are you applying for other BCBSNM coverage and need a short-term plan until the other BCBSNM coverage becomes effective? We will help ensure that there is no lapse in coverage between the date the Blue Transitions coverage ends and the date the other BCBSNM coverage begins. BCBSNM must receive the application for the other coverage at least 30 days before your Blue Transitions coverage expires.
There may be separate charges for any therapies or diagnostic tests performed during or as a result of the visit. These charges are based on type of service and place of service (e.g., surgery performed in a provider's office or X-rays taken at an outpatient facility). You may be responsible for paying additional coinsurance and deductible costs for these services. Please check the Coverage Overview.
The Blue Transitions emergency room benefit is subject to deductible and coinsurance costs for the facility and provider charges. See the Blue Transitions Cost section to find out more about covered emergency services.
Yes. You pay 30% coinsurance per prescription; BCBSNM covers up to $500 maximum per benefit period. Some prescriptions drugs will need prior approval or they may not be covered. Please see the Blue Transitions Prescription Drugs section to learn more.
You will use the Blue Cross and Blue Shield of New Mexico PPO provider network to access contracted doctors, hospitals, and other health care professionals within New Mexico. Blue Transitions members also have access to BlueCard® providers when outside New Mexico.
If you are applying for Blue Transitions and have benefit questions, please call 1-866-445-1396.
If you are a Blue Transitions member and have questions, call BCBSNM Customer Service at the toll-free number on the back of your BCBSNM member ID card.