Call you medical insurance company in advance to find out if you are covered if you travel. Whether traveling within the same state, out of state, or out of the country; check to make sure you are covered and for what types of illnesses/visits. Some plans may only cover life threatening emergencies and all other care may need to be preauthorized. Some plans may not cover you at all if your are out of your country of residence. If you are not covered, you may need to purchase an travel medical insurance plan. (Some plans, in particular HMO's also known as Health Maintenance Organizations, may not even cover care outside of your local area without calling for a preauthorization). Check with your medical insurance carrier regarding their coverage and rules for all travel; within the same state, out of state within the US and especially for foreign travel.
Find out what procedure you need to follow if you need to see a doctor or go to an emergency room in a different area. If you have to purchase additional insurance, see what your insurance carrier recommends. You can also check with the airline you are flying to see what plans they may offer, and, or, your travel agent that are booking your trip with. They can serve as a resource for possible company names, rates and coverage/plan info. Do this research well in advance to give you time in case you need to make an additional purchase. By doing so, you can leave with the peace of mind knowing your are covered and enjoy your trip.
Find out what procedure you need to follow if you need to see a doctor or go to an emergency room in a different area. If you have to purchase additional insurance, see what your insurance carrier recommends. You can also check with the airline you are flying to see what plans they may offer, and, or, your travel agent that are booking your trip with. They can serve as a resource for possible company names, rates and coverage/plan info. Do this research well in advance to give you time in case you need to make an additional purchase. By doing so, you can leave with the peace of mind knowing your are covered and enjoy your trip.
