In the United States health insurance, unlike many other countries, you
can find dozens of Blue Cross Blue Shield plans. Hundreds of regular
commercial insurance and so many more health insurance plans like
managed-care plans—HMOs, PPOs and PPG's. For some travelers,
they may have Medicaid, and for those over 65 years have Medicare.
All of these different types of plans have many various benefits,
costs, deductibles, exclusions and restrictions.
So think before you travel and check your existing health policy to see
what it pays for. It may reimburse you for up to 100% of the cost of
emergency medical care when you're out of the country, of course,
excluding any deductible or copayments.
For nonemergency care overseas you may be covered but probably will
have to call your insurance company or HMO in the United States for all
for treatments that need to be authorized.
Check with your health plan about this before you leave home because
failure to get authorization from your HMO or insurance company may
mean you will not get reimbursed if you later file a claim
If your health insurance policy doesn't cover your medical cost abroad,
or you do not have any coverage whatsoever, then you should consider
purchasing a travel health specific insurance policy.
Even if your present health insurance will pay doctor and hospital
bills when you're out of the country, you may want to purchase a travel
insurance policy to get other important benefits such as coverage for
air ambulance transport and on-site medical expense payment.
With some specific diseases like diabetes, COPD, epilepsy, etc when
you're traveling it may not be covered so make sure you first speak we
your health insurance agent before you travel and then see what is
covered.
When my father travels he does get travel insurance, not for the
benefit of the health insurance, but just in case he does get ill and
unable to take the trip at the at the time he supposed to travel. This
way he can get his money back.
About the Author
Copyright 2005
Fern Kuhn, RN
Specializing in Diabetes
