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If you’re going to be travelling for an extended period of time, chances are you will need medical care at some point in time. So what happens?
Well, the good news is that in today’s day and age, many doctors participate in telehealth. So, if you have traditional health insurance, you can still schedule doctor’s visits even if you’re away from home.
You can also make sure of urgent cares, just make sure to check what the costs would be with and without insurance.
But you can be at risk for some extravagant medical bills should you find yourself in need of a hospital. Although the Affordable Care Act limits your exposure somewhat, many ER doctors are considered “contractors” and you may find yourself on the receiving end of a hefty bill. So, what do you do?
A great option for someone planning extensive and long term travel is a PPO. PPOs provide coverage both in and out of network. Premiums may be a little higher, but you are guaranteed coverage for doctors, specialists, and medical procedures. Of course, your cost share may be higher if you need to go out of network.
Additionally, there are out of pocket maximums. So, should you find yourself in need of major medical services, eventually your insurance will take over entirely. This will majorly limit your financial exposure.
Unfortunately, it can be very, very difficult to find a plan with nationwide PPO coverage on the marketplace. To see what plans are available in your area, check out Healthcare.gov. Even if you’re planning to travel, you’ll need to input some type of home base state. Some states offer many more travel friendly plans than others, so we highly recommend working with a broker to ensure you’re getting the best plan for needs.
You can also work with a broker to find a private plan which may open up your options significantly.
A really good option for long term travelers are short term medical plans. You can usually access the same benefits as marketplace plans with the added benefit of nationwide PPO coverage. Additionally, STM are usually much less expensive. However, they are not perfect and they are not for everyone.
They are not available to purchase in all states
They do not cover pregnancy
They are not ideal for people with small children
They may not cover all pre-existing conditions (although very often they will after the first year)
You can customize your coverage to meet your needs and make sure that the plan fits your budget and the benefits you need. They’ll also impose that out of pocket max in case you should find yourself in need of major medical services while travelling. If you’re interested in STM plan, you’ll need to work with a broker because they are not available on the marketplace.
Although PPOs can be hard to find on the marketplace, you should be able to find a good HDHP with HSA option. A high deductible health plan will offer you lower monthly premiums and coverage in network. You can contribute to your HSA which is a Health Savings Account and use that account, tax free, to pay for out of network services.
You can use a HSA for its triple tax advantage to further lower your premiums on the marketplace making this an inexpensive option for most of your health needs. However, you may still find yourself in a little hot water should you incur major out of network medical expenses. Surgeries can be in the tens of thousands of dollars.
Again, you can find these types of plans both on and off the marketplace.
If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or [ Ссылка ]
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