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PDF: 16 Travel Insurance

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times Source: www.travmed.com // Topic: Travel Accident Insurance
File Size: 63.37 kb // Total of Page: 6 Page(s)
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Short Desciption: Another sponsor of Medigap insurance that covers foreign travel is the ... There are two major types of travel insurance policies:. (1)policies thatcan ...

Content Inside: 16 Travel Insurance Health insurance in the United States, unlike many countries, is characterized by its diversity. There are dozens of Blue Cross/Blue Shield plans, hundreds of commercial insurers, and a multiplicity of managed care plans involving HMOs, IPAs, and PPGs. For some, there is Medicaid, and for those over 65, there is Medicare. All these various types of plans have different benefits, costs, deductibles, exclusions, and restrictions. Before you travel, check your existing health policy to see what it pays for. It will probably reimburse you for 80% to 100% of the cost of emergency medical care abroad, excluding any deductible or co-payment. For nonemergency care overseas, you may be covered, but you will probably have to call your insurance company or HMO in the United States for authorization of treatment. Check with your health plan about this before you leave home. Failure to get authorization may mean denial of reimbursement if




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