Your health plan operates a bit differently when you are out of the country.
It helps to know what’s covered ahead of time so you can plan and add to your coverage if you choose, before you leave.
How health plans work when you are out of the country
While many plans may provide out-of-network coverage when you travel outside of the U.S., the way services are paid for can be different. Doctors and hospitals in other countries will commonly expect you to pay up front before starting treatment. Most likely, you will need to keep careful records and submit everything for reimbursement when you get home.
Check your health plan specifics about international travel
It’s a good idea to read your health plan documents or talk to your health insurance provider before you go. That way, you’ll know ahead of time what’s covered and what’s not, and you can see if there are any special services or requirements for international travelers.
Bring names of any medications along with you
If you or a family member are taking any prescription medication, make a written list of medication names and dosages. Also include the name, telephone number, email address, and mailing address of your prescribing doctor, just in case you need it.