The Importance of Travel Health Insurance and Medical Insurance
As life expectancies increase and medical science improves, what was once the twilight of life is as lively and exciting as any other time. Those beneficiaries who are eligible for Medicare are still traveling, whether to see family, to adventure, or for business. For those who wish to travel internationally, however, their Original Medicare may not cover health emergencies that occur outside of the United States. There are several extremely specific emergency situations that Medicare may cover, but they are difficult to prove and the majority of medical situations do not qualify for coverage. Medicare Part D will not cover any prescription drug purchases at international pharmacies, nor will Medicare Advantage plans cover anything that Original Medicare does not cover outside of the United States. For these reasons, it is often imperative that beneficiaries purchase travel health insurance before an international trip.
Supplemental Travel Health Insurance and Medical Insurance
Travel medical insurance and medical evacuation insurance are both short-term insurance policies. They are supplemental and cover health care costs on a trip abroad. Best of all, they are relatively inexpensive, but could protect the beneficiary from a very large bill if they were to have a medical emergency while on vacation outside of the United States. For frequent travelers who make multiple trips outside of the United States every year, there are yearly policies available for purchase.
Medical evacuation insurance is particularly important when beneficiaries are traveling outside of major cities or areas where the health care is inadequate for their needs. Many rural areas the world over have no local hospital, and evacuation in an emergency can be the difference between life and death. The cost of evacuation can exceed $100,000.
To find a travel medical and medical evacuation insurance policy, beneficiaries should begin online. The following are resources for finding coverage that works for travelers:
When beneficiaries can rest assured that any medical assistance they need while abroad will be covered and available to them, they can relax and enjoy their travel.
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