Choice Enrollment Blog
You’re almost done preparing for your long-awaited vacation. You made all the arrangements for your hotel, plane tickets, luggage, companions, and itinerary. Checked and double checked your list.
But are you a hundred percent prepared for your trip?
Accidents can happen anywhere at any time. It is impossible to predict, but it is possible to prepare for it. Do you know if your health insurance will cover for you during your vacation trip abroad?
Does Health Insurance Cover For You While Abroad?
Health insurance plan covers for emergencies at your home state and, depending on your plan, in other states too. Some major insurance companies can provide a wide network of doctors and specialists here and also abroad.
It is important to seek coordination with your health insurance providers to be informed on how well they would cover for your vacation. Review your policy and take note of everything you might need in case you get ill or injured while abroad.
What Is Considered A Medical Emergency?
As a general rule, you can go to the nearest emergency center to seek treatment for major injuries or life-threatening illness. It gives you a small peace of mind that your policy will cover your medical expenses.
The standard health insurance policy will cover medical emergencies based on the “prudent layperson” standard.
It means if you think you are in a condition that may lead to permanent damage or death, it is considered as an emergency, regardless of the diagnosis. Your insurance will cover for circumstances on which you sought medical attention for perceived health threats, even if it ends up to be nothing serious.
It is still advisable to consult with your policy provider or your contract on the scope and limits of your health insurance plan. At Choice Enrollment, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (719) 481-1616 or Click Here to request a free quote.