Friday, May 8, 2015

Your Health Insurance Stops at the Border

Attention:  Your Health Insurance, Even For Those On Medicare, 

Does NOT Cover You Outside the United States

Will you be traveling outside the U.S. in the next 12 months? Make sure your health insurance goes with you. Nearly every health insurance plan, including Medicare and Medicare Supplements, stops at the border.

Here are some expenses you could encounter if you get sick or injured outside the United States.

Non-covered services average cost*:

  • Medical Evacuation                     $10,000  to  $100,000+
  • Political Evacuation                    $  1,000  to  $ 10,000
  • Repatriation                               $  6,000  to  $ 50,000
  • Return of Mortal Remains            $  4,000  to  $ 10,000+
  • Returning of Minor Children         $    500   to  $  2,000
 *MASA – Medical Air Services Association

Okay, so that looks like a bunch of technical terms. Here's the main thing you need to know: If you get sick or injured when you are outside the U.S., your health insurance will more than likely not cover your expense. At best, it will only be a reimbursement. In other words, the foreign doctor / hospital will make you pay out of your own pocket before you get treatment.  Then it would be up to you to try and get your insurance company to reimburse you for the expense.

If you want or need to be transported back to a hospital near your home, it will easily be over $10,000 and could end up costing you over $100,000!

That's the bad news. The good news is that you can get great coverage that will pay for such things and it won't cost you an arm and a leg.

Bottom line: find out before you go -- call our office today. 800-482-6426, or get a free quote by going to the following addresses:

For those who are enrolled in Medicare:

For those who are NOT Enrolled in Medicare:

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