Not All Medical Plans are the Same

Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will be true. Outside the U.S., however, is a big IF. Most do not provide coverage, and Medicare never covers you abroad.

If you are employed, when planning out-of-state trips, you may want to think about whether you are traveling for business or personal reasons.?Your employer's group insurance will provide coverage for you if you travel for work, but not necessarily for personal use. Check with your employer first before traveling, you may be out of network if your become ill or injured out of state.

If retired or of retirement age, Original Medicare can be used in all 50 states, as well as in the District of Columbia, American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the Virgin Islands. Medicare drug plans don't cover prescription drugs you buy outside the U.S.

The same isn’t true for Medicare Advantage Plans. These plans have defined service areas and may not cover out-of-state care, let alone out of the country . . . with the exception of emergency and urgent care situations. Before traveling out of state, contact your plan to find out if there are any in-network providers at your destination.

Some Medicare Advantage plans can be used out of state, but usually don’t provide coverage outside of the United States. Check your plans Evidence of Coverage document for detailed information about covered services or call your plan first.

You may choose to buy a travel insurance policy to get more coverage. However, all travel insurance policies have exclusions and limitations and will vary by insurance carrier and/or the policy selected.

Travel insurance covers cancellations, for a variety of reasons, Travel insurance policies can cover medical expenses up to $20,000, offer an option up to $100,000, or a $1 million coverage option. It would cover lost luggage, delays in reaching connecting flights or theft of your belongings. Other “incidentals” include things like necessary hotel stays, meals and other reimbursements that arise from a delay or loss.

Not all travel insurance plans include health insurance, read the conditions or restrictions carefully. Some policies may not cover treatment for pre-existing conditions, or they may charge a higher premium to do so . . . some may charge more for coverage based on your age.

Depending on your medical plan and your provider, check to see if you are covered first before you travel. The last thing you want is to have a memorable vacation ruined by having a huge medical bill waiting when you get back home.

Happy trails and safe travels.