Health Insurance : Are You Protected Abroad?
With health insurance reform in the spotlight, the US Travel Insurance Association (USTiA) suggests that travelers become aware of their health care benefits or insurance plans for expats available while overseas.
A survey commissioned by UStiA concluded that traditional domestic health insurance plans typically limit coverage for out of country medical expenses to emergency-related costs; have high deductibles and co-pays for emergency treatment abroad; and don't cover out-of-country emergency medical transportation in cases of life threatening illness where medical evacuation may be required.
Additionally, 50 percent of Medicare recipients may not be covered abroad, the study revealed. And, when covered, benefits are normally limited to 80 percent of emergency treatment costs, with a $250 deductible.
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