Seniors who travel, vacation, work or live abroad need to be aware that Medicare does not provide any coverage once you leave the U.S. Senior Travel Insurance pays for the unexpected illness or accident costs.
Medicare Supplement plans along with Medicare Advantage coverage typically offers very little and often no coverage as well outside our borders.
You need to be very careful while on vacation, even if it’s a quick trip. Many accidents or illnesses will not be covered while abroad. If you need medical attention you will typically be asked for a credit card to pay for the services. Medical facilities will not accept and do not know who Anthem, Mutual of Omaha or Aetna is. Your ID card means nothing to them. They all know visa and mastercard.
When you return to the States, you will need to send your insurance company any receipts you have which shows the medical services you paid for. In each situation the insurance company will determine if each service is considered an “emergency situation.” Which they will pay a portion of. If the service you received is not considered an “emergency” you will not be reimbursed.
On a Cruise .. I’ve heard of too many occurrences where a person becomes gravely ill, and the boat authorities inform the individual, the boat is not properly equipped to care for your health needs and that you will need to embark on the next island. An ambulance is waiting to take you to the nearest medical facility.
In this situation you have lost all control of your situation and are relying on local authorities and medical services to help you. With a GeoBlue Travel Insurance policy, with one call you will be assured a team of professionals are working to quickly coordinate the best available medical care for you regardless of where are worldwide. Whether at the local island or if you will be emergency evacuated to a new location which can properly care for your current needs. GeoBlue is available 24/7 to help you nevagate the complicated global health care situation wherever you may be.
There are typically 3 types of Travel Insurance plans:
- Short-Term Plans (a few days up to 6 months), global medical insurance with coverage for illness, accident and Rx coverage for the short international trips, cruises, tours or other globe hopping adventures. Info
- Long-Term Plans (6 months or longer). Expatriate medical insurance for the person or family who lives abroad for longer periods of time. Maybe, in several global locations through out the year. Comprehensive medical insurance worldwide. Info
- Trip-Insurance – A plan with medical coverage for illness and accident along with reimbursement for costs such as longs or damaged luggage, missed flights or tours because of late connections. Cancelled excursions, or cancelled trip because of unforeseen situations such as; illness or injury before your leave on your trip. Info.
International Medical Plans (Long & Short-Term)
- Long Term – 6 months or longer, including permanent plans: Global families, Expatriates, Multinational Executives and Employees on foreign assignment.
- Short-Term few days up to 6 months. Vacations, business trips, etc.
- Students International Students & Faculty – Inbound or Outbound (F-1 & J-1 Visa).
- Vacation Insurance Trip cancellation, trip delay, lost/damaged luggage, Medical coverage.
Medical Emergency Abroad … If you are experiencing a medical emergency abroad and need air transport, with one call, your GeoBlue team of experts will coordinate and arrange all of your transportation needs. With only domestic health insurance or Medicare you will be responsible for arranging everything from a emergency ground transportation, discharge and paying the local hospital so air evacuation services can transfer you to adequate facilities. Transportation may require medical personnel to accompany you to a different hospital facility, or back to your home country.
U.S. Department of State: “In many places of the world, doctors and hospitals still expect payment in cash up front, before you are seen by a doctor. You can’t simply give them your insurance card and expect it will go through. If your policy doesn’t go with you when you travel, it’s a very good idea to purchase a separate policy for your trip.”
Great Technology at your Fingertips … GeoBlue Travel Insurance company has some interesting and useful applications you can use on any mobile device. Quickly and conveniently connect to quality care across the globe for anything from emergency needs, to filling a simple prescription, to translating your symptoms, to finding the right doctor at home or abroad.
With a few simple taps, get detailed profiles of carefully selected primary care physicians and specialists, as well as a broad range of hospitals, pharmacies, even dentists-where you are, when you need it. Review qualifications, make an appointment, and get directions, right from the App or a mobile device. Plus, proof of coverage is always at your fingertips, ready to show and share with providers. Mobile Assistance is backed 24/7 by our toll free assistance line.
To protect against unforeseen events that could result in long-term financial hardship, GeoBlue has established a medical travel insurance program to fit the needs of travelers worldwide.
Many people falsely believe that their existing American health insurance or Medicare policy will cover them when abroad. This is not usually the case. Confirm what coverage, if any, your current insurer provides. Likewise for a person coming to America from another country, in most situations you will need an International/Travel health policy in place when you arrive to the U.S.
Please feel free to reach out to me by phone (916) 682-1117 or email at email@example.com or simply complete the brief information request form below.
Questions & Comments:
[contact-form][contact-field label=”Name” type=”name”][contact-field label=”Email” type=”email”][contact-field label=”Phone” type=”text”][contact-field label=”Questions:” type=”textarea”][/contact-form]