Prepare for medical situations when you’re away from your usual network coverage with El Paso, TX travel health insurance. Accidents can happen anywhere, especially when you’re least expecting them. Just because you’re on vacation in another state or another country doesn’t mean something can’t happen. Prepare for those unfortunate situations with the right travel health coverage.
There are many reasons why health insurance is important. One reason is that it helps protect you and your family financially in case one of you gets sick and needs medical care. Without the appropriate health insurance, you’ll be responsible for paying all of the medical bills out of pocket, which can get very expensive.
Not to mention, even if you believe in your own robust health, having insurance can still give you peace of mind for those “what if” moments. It’s always better to prepare for the unexpected than to be taken by surprise. Knowing that you have travel health insurance when you’re out and about can allow you to focus more on enjoying the trip than wondering how to pay for medical expenses if something unfortunate happens.
Contact the team at Golden Plan Choice today if you’re unsure where to start your search for the right travel insurance plan. Our insurance experts can provide you with the best options to stay protected while you’re overseas or out of your usual coverage network.
What is a Part of El Paso, TX Travel Health Insurance?
Of course, most travel agencies recommend getting “travel insurance.” The travel insurance they’re talking about can help protect against common misfortunes that can happen when you’re away from home. These incidents include lost or stolen baggage, cancellations or interruptions to the trip, or emergency evacuations from the area. Some may also cover medical emergencies, so if you do get typical travel insurance, you’ll want to read the fine print of your policy.
When you’re planning a long trip, travel medical insurance coverage is the best way to have peace of mind. There are a variety of travel medical policies available, so it’s important to do some research to find the one that best meets your needs. Some things to consider are the length of your trip, the countries or states you’ll be visiting, and any pre-existing medical conditions you have.
With the right El Paso, TX travel health insurance on your side, you can worry less about the “what ifs” of your trip. If you’re still wavering on your decision, here are some benefits that can come with having health insurance that works for interstate or international travel.
- Protect your finances in the event of an accident or illness while on your trip.
- Have peace of mind knowing you’re covered in case of a medical emergency.
- Avoid paying out-of-pocket for medical expenses on the trip.
Here at Golden Plan Choice, our team will recommend the best plans for your needs. Contact us to speak with one of our insurance representatives and get the travel medical insurance you need today. We wish you safe travels when you’re abroad on your long- or short-term trip.
Does My Medicare Plan Cover Me Overseas?
No, Original Medicare plans don’t typically cover you when you’re outside of the US or any US territories. Of course, there are some limited exceptions to that statement. For example, Medicare Part B (which covers typical medical insurance costs) may still pay for medical services when you board a ship within territorial waters adjoining US land and are within six hours of the nearest US port.
A few other exceptions to Medicare working outside of the country include the following situations:
- You’re in the US when a medical emergency happens, and a foreign hospital is closer than a US one.
- You live in the US, and the nearest hospital that can treat your condition is a foreign one, whether it’s an emergency or not.
- You’re on the most direct path to/from Alaska through Canada when a medical emergency happens, and a Canadian hospital is closer than an American one.
As you can tell, Medicare coverage outside of the US is very limited. If you’re planning a trip outside the country’s borders, getting another type of health coverage is best.
More Options for Overseas Medicare Coverage through Medigap
Medigap or Medicare Supplement is designed to supplement Original Medicare’s shortcomings and offer extra protection for those who need a little more. It can cover some of the costs that Medicare doesn’t typically cover, such as deductibles, copayments, and coinsurance. You can get Medigap plans through private insurance companies like ours.
How can Medigap help with overseas travel insurance? Some Medigap plans may also offer additional coverage for urgent health care services or supplies for you if you’re outside of the US. It can cover emergency care for the first 60 days of your trip that Original Medicare doesn’t cover. It can also pay 80% of the billed charges for specific medically necessary emergency care after meeting your $250 deductible.
However, Medigap policies have a lifetime limit of $50,000, so if you’re nearing the end of your limit, you may want to consider extra travel health insurance. Before traveling anywhere, you should speak with an insurance agent to see what’s the best coverage for you and your family’s situation.
Contact Golden Plan Choice for Help Today
Traveling is a great way to enjoy time with family and friends. Don’t let the worry of not having coverage ruin your trip. Call our team at Golden Plan Choice to discuss viable health insurance plans for when you leave your typical coverage network. Or visit our location to learn more about our other insurance plans.
We want you to have peace of mind when you’re on your trip with El Paso, TX travel health insurance.
El Paso, Texas Fun Facts:
- The only bilingual Holocaust Museum calls El Paso home.
- The Buffalo Soldiers memorial is dedicated to the black soldiers who served in the military after the Civil War.
- The city is the only major city in Texas that’s in Mountain Time.
- For more fun facts, visit the city’s official page.