A simple but little-known fact is that most existing health insurance benefits shrink or disappear when travelers cross the U.S. border. Except for very limited circumstances, Medicare provides no protection overseas and Medicare supplemental plans provide limited foreign travel emergency benefit. Critically, most policies do not pay to get you to a high standard of care should you need to be evacuated due to a medical emergency.
What Will a Good Travel Health Policy Do?
Travel health insurance policies are designed to cover your medical expenses when you travel abroad. If you are covered under Medicare, these plans act as your primary insurance while abroad. Travel health insurance also fills critical gaps when taking Medicare supplemental plans overseas. The best designed plans offer more than emergency benefits. They cover everything from hospitalization and surgery to physician office visits, ambulance services and prescription medications. Premium plans cover sickness or injury resulting from common pre-existing medical conditions or a terrorist event without limitations. Some policies even pay medical providers overseas on a direct basis so you can avoid the paperwork hassles that come with filing a claim.
***Please note: Individual Open Enrollment starts November 1st to enroll effective January 1, 2018. Contact our office to for details!!