How Health Insurance Coverage Works When Away from Home
What happens if you need healthcare services when you are hundreds of miles away from the nearest in-network provider? How you receive emergency or non-emergency medical care and pay for it depends largely on your health insurance plan.
All plans cover emergency services at any hospital in the nation regardless of whether you are in your hometown or several states away. If the emergency is deemed life-threatening – such as if you were seriously injured in an auto accident – your emergency care would be covered as though it were in-network.
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While this seems straightforward, there may be a catch: different health insurance companies have different rules on what they consider to be an emergency. If you are rushed to the hospital via ambulance for a life-threatening allergic reaction or after a serious auto accident, your health insurance company should be responsible for paying the medical expenses you incur, no matter where you get care in the USA. See your policy. However, in some cases, health insurance companies may deny claims that they decide are not “true emergencies”.
Getting Healthcare When You’re Away from Home
Schedule a Virtual Visit
Telemedicine is a great option when you are away from home and you need non-emergency care. If, for example, you are on vacation and you have acid reflux or develop a condition like pink eye, you may be able to receive treatment advice and prescriptions virtually, via telemedicine (or whatever service your insurance company uses), and depending on your plan. Not only is this option convenient – by not having to leave your hotel and navigate an unfamiliar city while you’re sick or hurt – but it also lets you stay in-network. Many of the insurance companies are offering $0 co-pays for virtual visits, or very low co-pays, depending on your plan.
Buy Supplemental Coverage
If your plan is not a PPO Plan, and you are worried that your coverage is not adequate when you travel, you may want to look into a supplemental plan that can help pay you for out of pocket costs. If you travel often, then adding supplemental coverage may make sense.
Coverage varies from one health insurance provider to another, but generally, there are two types of add-on plans. Additional critical illness/accident coverage may cover medical costs if you are injured or receive a bad diagnosis, whether you are able to go to an in-network provider or not. Check the plan details. Hospital indemnity-style plans pay you directly (you must see your plan details) for hospital admission costs that may or may not be covered by your regular health insurance. This plan pays money directly to you that can be used at your discretion for medical co-pays, deductibles, and other expenses due to an injury or illness. Some of these plans have networks that will pay the hospitals and providers directly that help you have access to their network prices which helps your overall out of pocket costs. Again, check the details of your plan.
Buy a Supplement Plan with a National PPO Network
Some health insurance companies offer non-aca (Obamacare) national PPO networks. You still may need to seek out an in-network provider, but these providers are located throughout the country. These plans typically do not cover preventative care or pre-existing conditions, mental health, and prescriptions coverage is limited.
Getting the Right Coverage with Nevada Insurance Enrollment
Finding a health insurance plan that fits your lifestyle is important for getting prompt, affordable care. A Nevada Insurance Enrollment health insurance agent can help you identify your needs and choose a plan that fits your needs and budget.
Read More: Health Insurance While Traveling