Sunscreen, Sandals… Health Insurance Card?

One national travel survey predicts that millions of Americans are vacation bound this summer, with nearly 9 out of 10 planning a trip. One of the last things vacationers want to think about is a medical emergency or illness while away from home. It stands to reason that with so many people traveling away from home, some are likely to require health care. Whether traveling overseas or within the United States, it is important to be prepared. UnitedHealthcare’s Golden Rule Insurance Company has shared five quick tips for travelers to help prepare for unexpected medical needs while away from home.

1. Make sure you understand your coverage before you leave. Know what you would have to pay out of your own pocket if you need medical care while traveling.
2 Always carry your health insurance card. It will make it much easier for you and the health care provider to contact your insurance company if questions arise.
3. Bring a list of your prescription drugs. Include any over-the-counter drugs you take regularly.
4. Find out which urgent care centers, hospitals and pharmacies in your destination city belong to your insurance provider networks. Check your insurer’s website or consider downloading an app such as UnitedHealthcare’s Health4Me, which helps locate the nearest in-network doctor, clinic or hospital.
5. If you plan to travel abroad, learn whether your health insurance plan covers treatment outside the United States. Make note of what documentation you need and the process for filing claims, especially if you are overseas. Consider buying an international policy if overseas medical expenses are not covered.

With a few minutes of planning before leaving home, you can help protect your health and your wallet.