Affordable Care Act

Top Fall Travel Destinations for 2015 and Medical Coverage Outside the U.S.

Published on September 02, 2015

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travel destinations for 2015The summer travel season may be winding down, but the fall and early winter travel season is just gearing up. While most people think summer is the best time to travel, fall also brings many unexpected tourists.
Fall is the most affordable time of the year to plan a getaway. Not only can you save some serious money on hotels and flights by traveling off-season, but you also avoid large crowds and can enjoy cooler temperatures.
U.S. News recently published its list of the Best Fall Getaways.
San Francisco, Chicago, Paris and Savannah topped this year’s list, followed by Vancouver, New York City, and Yellowstone.
Whether you’re planning to stay local, fly out of the country or venture out to a state park, you can count on seeing the beautiful transition from summer to fall.

Does my health insurance cover medical emergencies outside the US?

You may “sort of” be covered: As a general rule, some insurance companies will cover emergency care when you’re out of the country. Some will not. If you’re traveling outside of the United States, contact your insurance provider before you board the plane.

So what should you do before you travel?

Over-prepare: Call your insurer or your licensed agent (that’s us here at eHealth) and find out:

  • If your current plan covers you when you’re out of the country,
  • What your current plan covers if you’re injured out of the country (for example, is it emergency only?)
  • How to get reimbursed for a claim if you have to file one.

Consider travel insurance: Depending on the plan type, your age and other factors, you can likely purchase a travel insurance plan before you fly out of the country starting around $25/month. Plans can provide:

  • Medical Translation – Travel insurers often have a host of translators available to help you bridge language and culture gaps so you get the care you need fast, and in accordance with your insurance company’s policies.
  • Up-Front Out-of-Pocket Costs – Many plans pay medical costs for emergency services up-front. For smaller, non-emergency claims you typically seek reimbursement with your insurer when you complete treatment or return home.
  • Hospitalization – Plans usually cover some immediate medical costs if you’re hospitalized, and can negotiate your bills with your U.S. insurer in order to minimize your out-of-pocket expenses.
  • Medical Evacuation and Emergency Medical Reunion – If your covered medical condition requires emergency transportation to an appropriate medical facility, or if you need a family member to be at your side in a foreign hospital, travel insurance plans may provide funds for this type of emergency travel.
  • Travel Delay – If your trip is delayed for certain reasons, some travel insurance plans will actually reimburse you for unused accommodations and even the extra meals and telephone calls you had to make when trying to get back to your scheduled destination.
  • Dental – Fillings fall out, and teeth crack when you’re on vacation too. Many travel insurance policies usually include some sort of reimbursement for emergency dental treatment.

 
 

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