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Mike in Va
RE: Good Luck on the 4th!
Dr. UM is part of BCBS's Mondial Assistance coverage network. Mondial provides health care to travelers when they are abroad and need coverage because they can't get home without treatment. I would question BCBS very carefully about whether they will cover you on this treatment if you are not traveling abroad for work and elect to go to Germany for surgery on your own. Get answers in writing about their coverage plan for worldwide supported doctors before you do any switching of carriers. I researched this closely before paying for it myself because Mondial is a big client of mine in Richmond, Va and I know their business model well. They primarily focus on emergency treatment worldwide and medi-vac of clients back to the US when they have severe medical incidents abroad. Either way, you will have to pay Dr. UM directly and then go to the insurance provider for any reimbursement of fees you get covered by them.

Mike in Va

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