2013년 11월 26일 화요일

About 'aetna health insurance'|Aetna Who Is Leaving the California Individual Health Insurance Market at the End of the Year Jacks Up Policies 19% for the ...







About 'aetna health insurance'|Aetna Who Is Leaving the California Individual Health Insurance Market at the End of the Year Jacks Up Policies 19% for the ...








So               you've               packed               your               clothes,               your               passports,               and               everything               else               you               think               you'll               need.

But               what               you               might               be               forgetting,               just               like               many               other               people               do               is               something               that               could               save               your               life:               your               health               insurance.

What               many               travelers               fail               to               check               up               on               is               whether               or               not               their               health               insurance               coverage               will               be               valid               or               even               offered               overseas.

This               can               be               extremely               crucial,               especially               when               traveling               with               kids               since               we               all               know               that               even               vacations               can               be               accident               prone.

First               and               foremost,               most               health               insurance               companies               do               offer               coverage               overseas               and               out               of               the               country.

But               the               honest               truth               is               that               you               can't               just               leave               the               country               hoping               that               you'll               be               covered               if               something               is               to               happen,               you               have               to               check.

The               best               way               to               do               this               is               by               asking               your               health               insurance               provider.

Almost               all               health               insurance               providers               have               an               answer-stocked               website               or               have               24/7               or               convenient               calling               times               in               which               you               can               contact               them               about               coverage.

The               only               problem               now               is               what               do               you               ask               and               what               happens               if               you're               not               covered?

Does               this               mean               your               vacation               is               ruined?
               Obviously               there               are               differences               between               real               emergencies               and               non-emergencies.

The               thing               is               that               even               if               it               is               not               an               emergency,               you               will               still               feel               compelled               to               go               seek               medical               attention,               especially               if               the               non-emergency               is               over               a               child.

Plus,               with               the               growing               security               of               airports,               it               is               best               to               seek               medical               attention               for               common               child               ailments.
               Now,               most               health               insurance               providers               will               only               cover               so-called               emergencies.

Seeking               medical               attention               for               non-emergencies               will               most               likely               covered.

Examples               of               some               health               insurance               companies               that               only               provide               coverage               for               emergencies               include               Aetna               and               Humana.

Health               insurance               providers               like               Medicare               only               provide               in-country               coverage.

Emergencies               include               heart               attacks,               accidents               (such               as               car               accidents),               severe               bleeding,               etc.

In               summary,               most               emergency-room               visits,               despite               what               the               real               problem               is,               will               be               covered               as               though               it               were               in               the               US.

Examples               of               non-emergencies               include               thinks               like               the               common               cold,               headaches,               pinkeye,               minor               bumps               and               bruises,               etc.

These               cases               are               considered               non-life               threatening.

Although               as               a               parent,               most               will               feel               compelled               to               take               their               child               to               a               local               doctor,               which               will               cost               them.

However,               the               well-being               of               their               children               is               most               important.
               If               you               have               to               go               to               a               doctor,               you               might               be               surprised.

If               you               seek               medical               attention               overseas               or               in               another               country,               you               will               never               see               a               bill.

In               fact,               you               will               most               likely               have               to               pay               right               then               and               there               in               cash               or               check.

If               you're               in               a               country               that               offers               free               public               health               care,               you'll               still               have               to               pay               because               you're               not               a               citizen.
               Even               after               you               seek               non-emergency               medical               care,               you               could               be               reimbursed               by               your               health               insurance               provider,               but               be               sure               to               keep               the               receipt               from               the               hospital               or               medical               facility               you               were               at.

Even               if               your               health               insurance               provider               does               not               completely               pick               up               the               tab,               they               will               most               likely               still               pay               you               back               some               of               the               money.
               So               now               the               second               problem               at               hand               is               finding               a               good               doctor               overseas.

When               you               or               your               child               is               sick,               you               don't               want               to               go               to               some               doctor               whose               reputation               is               skeptical.

Often               health               insurance               providers               will               find               suitable               doctors               in               countries               all               over               the               world.

Not               only               will               this               make               you               safer,               but               it               will               help               if               your               insurance               plans               to               reimburse               you               for               the               visit.

In               fact,               some               health               insurance               companies               will               only               reimburse               you               if               you               go               to               one               of               their               recommended               doctors               if               you're               in               another               country.






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