What are my health insurance options while traveling outside of the US for several months?
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Asked August 30, 2015
In most situations, your current health insurance will be the only coverage you need while traveling outside the country. Verify that your health plan has network professionals in the location you are traveling to, and make sure that the location is not currently on a dangerous travel list, and you should be fine. If your current health plan is not effective in your destination, you may need to purchase a travel health insurance policy, typically called travel insurance.
Travel insurance is a specialized type of health insurance, usually written for a specific destination country. In addition to providing you with standard health care, the policy will also pay for extraction if you become ill while in a remote location or in a place where adequate health care is not available.
Make a list of all medications you are using. This includes prescription drugs as well as over the counter medications. If something happens to you while out of the country, it will be vital that the caregivers are aware of any medications you are taking or need to have available.
Contact your health insurance company and make sure that you have sufficient coverage for the nation you are traveling to. Some plans are not effective in certain countries, and that needs to be determined before you set out. Your insurance provider should also be able to help you organize any documentation you need to take along as well, and the insurer may even be able to provide you with a checklist to help you get your health insurance needs situated before you leave home.
Answered September 10, 2015 by Anonymous