Billions of U.S. citizens have their hospital and medical insurance covered by Medicare. But... once they leave the country, their insurance has to be paid upfront, out of their own pockets.
Fargo, N.D. (PRWEB) October 01, 2012
Does Medicare cover your health care cost? It won’t if you’re traveling outside of the United States. Now is the time for people to start planning their vacations for the Winter and Fall months. And millions of these U.S. citizens have their hospital and medical insurance covered by Medicare. But what many of them don’t know is that once they leave the country, their insurance has to be paid upfront, out of their own pockets.
Unless they choose to purchase international health insurance. International health insurance makes overseas medical care affordable by covering out-of-country medical expenses. It helps clients locate doctors, hospitals, healthcare facilities, and foreign-language services if they become ill or injured while traveling overseas.
The two types of international travelers medical insurance include travel medical insurance, which provides short-term medical coverage for trips ranging from five days to one year. major medical insurance, on the other hand, covers longer trips that can last from six months to over a year.
A second option that should be considered by Medicare-covered international travelers is emergency medical evacuation insurance. This type of insurance will provide coverage for medically-necessary evacuation and transportation to medical facilities. Without this type of insurance coverage, travelers could easily owe more than $10,000 worth of out-of-pocket medical expenses if they don’t have coverage. The service would become extremely useful if policyholders became stranded in a remote rural are without easy access to needed facilities.
Some questions that Medicare policyholders should consider while traveling include:
- Whether they’ll be traveling overseas
- If they are planning to participate in extreme sports
- If they could afford the cost of the trip back home, if an emergency arises and they needed to return to the United States
- Whether they, or someone who is traveling with them, gets sick, would be able to afford overseas medical care.
International health and travelers insurance, and emergency medical evacuation insurance, are extremely affordable and only cost a fraction of any trip’s actual cost. To learn more about international health insurance or get a free quote, call Benefit Specialists at (800) 383-6375.