Will My Health Insurance Cover Me Outside The Country?
Posted by Health Planning Associates, LLC. on
If you are planning to travel abroad, you may be wondering if your health insurance will cover you in case of a medical emergency. The answer is, it depends on your policy. Your first step is to contact your health insurance carrier to find out if your medical coverage extends outside the U.S. If it does not, or if coverage is insufficient, our knowledgeable agent at Health Planning Associates, LLC. in Macon, Georgia can help you find the policy you need to cover you while you are out of the country.
Will You Be Covered In Case of a Medical Emergency?
Some domestic health insurance policies do not provide coverage outside of the country of residence. Most policies provide some coverage for emergency medical care. However, it is likely that you will have to pay out of pocket and submit a claim for reimbursement to the insurance company when you return home. Generally, insurance companies consider a situation a medical emergency if a reasonable person in that situation would believe their health would be in serious jeopardy without immediate medical care. Examples of such situations would be a serious motor vehicle accident, a heart attack, or a stroke.
Questions to Ask Your Insurance Company
Before you travel, it is important to ask your health insurance carrier the right questions about your coverage, such as:
Will I have to pay out of pocket for health expenses that arise when I am out of the country and file a claim for reimbursement?
Does my health insurance policy cover pre-existing conditions while I am abroad?
If I am injured or become ill while I am traveling out of the country, will I be covered for the costs?
What Is Visitor Health Insurance?
Also known as visitor medical insurance, visitor health insurance is a type of short-term medical insurance policy for visitors to another country. It provides coverage for accidental injury or illness that occurs during a stay abroad. Visitor health insurance plans also provide medical evacuation and repatriation benefits. This coverage may be required by governmental agencies to obtain a variety of visas.
Emergency medical evacuation coverage will provide you with transportation services in the event that you need to be evacuated for medical reasons to the nearest qualified facility. Some plans will also cover transportation home once your condition is stabilized. This coverage may be important, as very few health insurance policies will pay for medical evacuation back to the U.S.
What Are the Benefits of Emergency Medical Insurance for Traveling Abroad?
If you should be injured or become seriously ill while traveling in another country, you can’t afford to wait for treatment. A good travel insurance plan may help you find a doctor and provide coverage for emergency medical care and/or evacuation. Although you will naturally hope for the best on your trip, you should also prepare for the worst. Travel insurance that includes visitor health insurance or emergency medical benefits can help you prepare for the worst-case scenario.