Summer is here, and for many in Texas, that means trips to destinations domestic and abroad. An all-time record 234.1 million passengers are expected to fly U.S. airlines between June 1 and Aug. 31, up from 224.8 million a year ago, according to Airlines for America. That includes more than 30 million travelers on international flights.
However, about 20% of people suffer some type of illness or injury while on vacation, the most common of which include food poisoning and car crashes. Before you hit the road or take to the skies, consider these tips to make sure your health, safety, and wallet are covered while you’re away:
Know Before You Go: Before traveling out of your home state or internationally, take the time to review your health plan and understand what it covers. People traveling domestically should check if their health plan offers a national or local network of hospitals and healthcare providers, and confirm what level of coverage is available at out-of-network facilities. People who plan on traveling overseas should contact their primary care doctor or travel medicine clinic to determine what pre-screenings or immunizations might be recommended or required based on their health history and the countries they will visit. The Centers for Disease Control & Prevention enables people to search a list of countries and determine what vaccines they should consider.
Find Care Anywhere: Many health plans now offer telemedicine and mobile apps to support their customers’ health needs, including the ability to access a digital ID card, connect with a registered nurse 24/7, and identify nearby care providers, hospitals, pharmacies, and urgent care facilities. Public websites, such as www.uhc.com/transparency and www.guroo.com, enable people to compare cost information for hundreds of common medical services, helping them evaluate their options for care. For international trips, contact your global insurance carrier to find out about the availability of approved medical facilities at planned travel destinations.
Protection Abroad: Most domestic health plans provide limited coverage overseas, so people should consider international medical coverage to help alleviate concerns about quality of care and financial anxiety. People should look for global policies that can provide foreign-language translation, direct them to appropriate facilities or support evacuation to alternative facilities, and work with local healthcare providers to coordinate and monitor care. Most domestic insurance companies won’t cover prescriptions abroad, so for long vacations ask your care provider for enough medication to cover the duration of the trip (also check that specific medications are legal in the countries you are visiting). Some international health plans may include prescription drug coverage that allows people to fill prescriptions at local retail pharmacies.
Get Your Credit: Even with international coverage, consider carrying an extra credit card with a large limit to use for unanticipated medical expenses. Foreign hospitals will typically want upfront payment, rather than billing your health plan. Get clear and complete copies of all bills, medical records, and discharge notes for reimbursement from your health plan. Some global health plans do provide direct payments to foreign hospitals and care providers, eliminating a potential inconvenience and providing peace of mind.
Be A Savvy Medicare Traveler: Original Medicare in nearly all cases applies to the U.S. only and does not extend overseas or across the border (with the exception of cases in the far-Northern U.S. where the nearest hospital is in Canada). Some Medicare Advantage and Medicare supplement plans offer worldwide emergency coverage for foreign travel, although some have restrictions and lifetime limits. Finally, it’s important to account for the working condition of durable medical equipment needed for the trip, such as glucose monitors and insulin pumps, before departure.
Following these tips will allow you to focus on fun, friends, and family during summer vacations while helping alleviate stress from health care access or insurance issues during a medical emergency.