When traveling, there are basically two types of travel when it comes to medical insurance; Domestic and International.
Domestic Travel: Domestic travel is when you leave your home in the United States, however remain within the continental 48 states, Alaska and Hawaii. Very often, even care needed in the Bahamas and Puerto Rico could be processed as if domestic. During domestic travel, coverage offered through an employer or purchased individually will typically cover urgent and emergency care needed. Urgent is explained as ‘what a prudent person would deem urgent’ and emergency is explained as ‘life or limb threatening’. What classically is NOT covered outside your home network, is ‘routine’ care. This would be care such as medication review appointments. These are appointments routinely set with a ‘local’ family doctor or specialist. It is not a regular occurrence to have this type of visit while traveling.
International Travel: This is travel outside of the continental United States. During this type of travel, a plan may have limited coverage, if any care, so before going overseas a quick policy glance or call to your agent is worthwhile. If a policy shows limited or no coverage available internationally, purchase a short term medical travel insurance policy.
This policy is purchased for the period of time from leaving the United States to the day of return. There are no deductible options with a minimum of covered expenses of $60,000 or a high deductible of $2,500 and covered expenses of up to $1 million. There are important additional reasons to purchase coverage when traveling abroad.
Travel medical coverage for the time outside the country can cover things like political evacuation and repatriation of remains. This plan would cover the return of mortal remains to the United States. You can review policy designs at www.sevencorners.com.
Usually, our minds are on enjoying our vacation and the excitement of travel. Enjoy vacation and if it involves travel, find out what your health insurance plan covers. If you need assistance give us a call, we look forward to talking with you!