Corporate Travel Policy
Do I need travel insurance?
Do I need travel insurance?
In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plansóHMOs, PPOs and PPG’s. For some travelers, they may have Medicaid, and for those over 65 years have Medicare.
All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions.
So think before you travel and check your existing health policy to see what it pays for. It may reimburse you for up to 100% of the cost of emergency medical care when you’re out of the country, of course, excluding any deductible or copayments.
For nonemergency care overseas you may be covered but probably will have to call your insurance company or HMO in the United States for all for treatments that need to be authorized.
Check with your health plan about this before you leave home because failure to get authorization from your HMO or insurance company may mean you will not get reimbursed if you later file a claim…
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