How does my insurance work if I need care while traveling abroad?

Your ACA health insurance may offer limited coverage while you're traveling internationally. However, the specific coverage and terms vary by plan. Here's a breakdown:

• Emergency coverage: Most ACA plans provide emergency coverage for unexpected illnesses or injuries while abroad. This can include hospitalization, surgeries, and medical transportation.
• Limited network: Your ACA plan's network of providers typically doesn't extend to foreign countries. This means you may have to pay out-of-pocket costs and seek reimbursement later.
• Out-of-pocket costs: Out-of-pocket costs, such as deductibles, copays, and coinsurance, can be higher for international care.
• Travel insurance: Consider purchasing additional travel insurance to supplement your ACA coverage. Travel insurance can provide broader coverage for medical emergencies, trip interruptions, and other travel-related risks.

It's essential to review your ACA plan's specific terms and conditions to understand your coverage limitations and any additional requirements when traveling abroad.

Updated on: 07/10/2024