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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