Coverage for out-of-area dependents and family

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What you need to know

If you or a covered family member lives outside the SSM Health service area, you might be eligible to have your medical claims covered as out-of-area.

Any eligible out-of-area member, regardless of region has access to both Multiplan and PCHS networks. To find out more or search for providers visit multiplan.com.

Eligibility by zip code

To determine eligibility, review the list of SSM Employee Health Plan network zip codes to determine if you or your dependents qualify as out of area. If your home zip code is not listed, complete the Out-of-Area form.

If you have questions about this coverage, contact WellFirst Health customer service at 877-274-4693.

Traveling? You've got coverage

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Need health care while your traveling? WellFirst Health members are covered for both urgent and emergency care worldwide. It doesn't matter where you travel, you don't have to worry about health care coverage on vacation. We have you covered.

Find a provider while traveling

See the network on the back of your member ID card. 

Your coverage

  • If you need emergent care outside the service area and are unable to get to a plan provider, please go to the nearest urgent care* or emergency center for treatment. It is important to notify us as soon as possible by calling the Customer Care Center at 877-274-4693 (TTY: 711).
  • All follow-up care should be done by a plan provider. If you are out of the area and unable to see a plan provider, call your primary care practitioner for a referral to an out-of-area provider. These services require approval by WellFirst Health.

*Urgent care coverage is not covered out of network unless it’s an emergency.