We're operating with your safety in mind. 
Business Hours: Monday – Friday, 8:00am to 5:00pm
We encourage you to reach us by phone or online.
For customer service and all business inquiries, call +1 441 295 5566  ◦  For website support or to set up an online account, call +1 441 298 0301

The application process for a one-time Pension refund per the Covid-19 Pension Act Amendment is NOW OPEN.  Click here to apply

Back to FAQs

What is an out-of-pocket expense?

In Bermuda, an out-of-pocket expense refers to the difference between the insurance payment and your health care provider’s fee for services.

Compare healthcare providers to help minimise your costs. In Bermuda, different providers can charge differently, and are not mandated to publicise their costs; therefore, your out-of-pocket will vary between providers. 

In addition, for overseas hospital benefits, if you do not obtain authorisation prior to receiving care, or obtain care out-of-network, BF&M only pays a percentage of the claims charged. Any the balance of service owed is your out-of-pocket amount.


More Health FAQs

Didn't find what you were looking for?

Call a BF&M representative for more information.