Do I Need Travel Insurance?

In United States health insurance, unlike many other countries, you will find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and many other health insurance plans such as managed care plans – HMOs, PPOs and PPG. For some travelers, they may have Medicaid, and for those over 65 years they have Medicare. All these different types of plans have many different benefits, costs, deductions, exclusions and limitations.

So think about and make sure your current health policy pays off before thinking. Of course, you can pay up to 100% of the cost of emergency medical care if you are outside the country, without any deductions or copies.

When it comes to caring for non-allergic care abroad, you may be able to apply it, but you will probably need to call your insurance company or HMO in the United States for all treatments that need to be approved.

Check with your health plan before leaving home because a lack of permission from HMO or an insurance company may mean you will not be reimbursed if you later claim.

If your health insurance does not cover your health costs abroad, or if you have no cover, then you should consider purchasing a travel health insurance policy.

While your current health insurance will pay doctors and hospitals bills when you are out of the country, you may want to purchase travel insurance to gain other important benefits, such as air travel coverage for ambulances and passenger transport. payment for medical payment on site.

For some specific diseases, such as diabetes, COPD, epilepsy, etc., When you travel, it may not be covered, so make sure that you first talked to your health insurance company before you travel and then see what you are up to covered.

When my father travels, he has travel insurance, not health insurance, but only in case he falls ill and could not travel while he was traveling. In this way, he can recover his money.



Source by Fern Kuhn