ObamaCare Health Plans: Am I Covered When I Travel? - Medicoverage.com (2024)

FAQs

Does my health insurance cover me while traveling? ›

Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you're traveling.

Most ObamaCare health plans do not cover foreign emergency care. When traveling abroad and while cruising you'll want to get travel insurance.

When you move out of state, you'll need to start a new Marketplace application and enroll in a plan in your new state. How you apply depends on whether your new state uses HealthCare.gov or its own website.

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Make sure you have a plan to get care overseas, in case you need it. Consider buying additional insurance that covers health care and emergency evacuation, especially if you will be traveling to remote areas. Enroll with the Department of State's Smart Traveler Enrollment ProgramExternal Link (STEP).

Medicaid does not cover you outside the U.S. and most Medicare plans also do not cover you outside the U.S., although some provide emergency care in Canada and Mexico. To learn more, visit Medicare.gov or check with your Medicare supplement provider.

Special care if you become ill or injured while traveling

Contact the nearest U.S. Embassy or Consulate for a list of local healthcare providers and medical facilities. If your illness is serious, consular officers can help you find medical assistance. If you want, they can inform your family and friends.

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.

The U.S. government does not pay overseas medical bills. The patient must pay all hospital and other expenses.

Coverage under the Medicaid expansion became effective January 1, 2014 in all states that have adopted the Medicaid expansion except for the following: Michigan (4/1/2014), New Hampshire (8/15/2014), Pennsylvania (1/1/2015), Indiana (2/1/2015), Alaska (9/1/2015), Montana (1/1/2016), Louisiana (7/1/2016), Virginia (1/1/ ...

Which health insurance covers all 50 states? ›

Most Blue Cross Blue Shield members can rest easy since Blue Cross Blue Shield coverage opens doors in all 50 states and is accepted by over 90 percent of doctors and specialists.

Florida had the largest number of ACA exchange plan sign ups for 2023, according to new data from CMS. A total of 16.3 million people enrolled in marketplace coverage between Nov. 1 and Jan. 15, the agency reported Jan.

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

You might be able to get some emergency coverage abroad to an extent, but you won't be able to visit a doctor for a routine procedure or buy prescription medication and expect a reimbursem*nt.

Before you travel, consider getting travel insurance to cover yourself in case delays, accidents, or illness occur on your trip. Your current medical insurance may not cover care in another country. Also, some types of travel insurance help you cover costs if your travel is cancelled or disrupted.

The U.S. government does not pay overseas medical bills. The patient must pay all hospital and other expenses. You can find lists of doctors and hospitals in the country you are visiting. Check the website of the U.S. embassy in the country you are visiting.

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.