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.

If you move to a different state

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 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.

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.

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

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 nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

The answer depends on how long you live abroad during a calendar year. According to the Internal Revenue Service, U.S. citizens who live abroad for at least 330 days within a 12-month period don't have to comply with the Obamacare insurance mandate, which requires most Americans to have health insurance as of Jan.

Which states do not have Obama care? ›

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/ ...

The Blue Cross and Blue Shield Association is a national federation of independent, community-based and locally operated Blue Cross and Blue Shield companies. Healthcare coverage is one of the most important decisions you make. Choose the card that opens doors in all 50 states.

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

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.

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.

Before you go, consider your insurance options.

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.

Check Your Health Insurance – Are You Covered Abroad? Understand what medical services your health insurance will cover overseas before traveling. Carry your insurance card and a claim form if your policy covers you outside the United States. Medicare does not cover medical care when you travel the United States.

In general, your U.S. auto insurance policy does NOT cover you abroad. Some policies do provide coverage when you drive to Canada and Mexico. Check with your insurance company before you go. Even if your policy is valid in a country, it may not meet local insurance minimums.