You may be closing out 2011 with a holiday trip, domestically or internationally. If you plan to leave the country, you may want to consider the following when it comes to your health:
- You may not have health insurance coverage for illnesses or injuries that are treated abroad, even if you have US based medical coverage. Confirm with your benefits administrator.
- Generally, Medicare does not provide coverage for hospital or medical costs incurred abroad, however, rare circumstances may be covered.
- AARP can assist with obtaining foreign medical coverage and offers valuable travel tips.
- US consulate personnel will help you locate health care providers and facilities and even contact family members, if necessary.
- You can purchase travel insurance that covers health care needs and pays for medical evacuation if you need to be transported back to the US for treatment.
Obtaining medical treatment in another country can be expensive and a medical evacuation can cost over $50,000. Plus, you may encounter challenges with deciphering charges while abroad. Be vigilant, prepared, and follow the same self-advocacy steps you would while receiving medical care in your home state.
If you choose to purchase medical expense coverage while travelling abroad, double check you’ve carefully researched the following:
- Trip cancellation clauses or reasons. Read the rest of this entry →