Does Your Health Insurance Cover You Out Of The Country?

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   Marlin McKelvy

   President, Consumer Directed Benefit Solutions, Memphis, Tennessee

   The answer to your question can vary from health insurance carrier to health insurance carrier and may also be a function of whether you are covered under a self-insured plan with an employer who has made specific provisions for coverage outside of the USA.  To the surprise (sometimes very unfortunate surprise) of many travelers, many health insurance plans do not provide coverage outside of the USA.  You will really need to look at your certificate of coverage, check with your HR person or insurance agent to determine what your specific policy will do in such situations.  I would start out with the conservative assumption that you would not be covered for a health care need outside of the USA and then you can only be pleasantly surprised.  There are specialty health insurance policies for international health insurance coverage that can be purchased to provide protection to persons traveling or staying overseas for some period of time.  If your domestic health insurance policy does not cover you outside of the USA or provides only limited coverage you may want to consider purchasing one of these specialty policies before going outside of the country.

   Answered on June 27, 2014

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