Insurance coverage outside the US

Questions on how we spend our money and our time - consumer goods and services, home and vehicle, leisure and recreational activities
Post Reply
Topic Author
LuigiLikesPizza
Posts: 417
Joined: Tue Jan 05, 2016 7:54 am

Insurance coverage outside the US

Post by LuigiLikesPizza » Thu Nov 14, 2019 12:21 pm

Generally speaking, do U.S. based insurance companies pay medical or dental claims when such services are provided outside of the U.S.?

If not and we plan to be outside the US for a number of months, we'd be advised to pay out of pocket or find some type of local insurance?

sawhorse
Posts: 3461
Joined: Sun Mar 01, 2015 7:05 pm

Re: Insurance coverage outside the US

Post by sawhorse » Thu Nov 14, 2019 12:42 pm

It all depends on the plan. Check your plan documents.

If your plan doesn't cover it, it would be wise to get travel insurance. I'm sure people on this board can help you with that.

Rwsawbones
Posts: 112
Joined: Fri Jan 20, 2017 11:21 pm

Re: Insurance coverage outside the US

Post by Rwsawbones » Thu Nov 14, 2019 8:13 pm

Suggest you look into GeoBlue and similar plans for coverage out of the United States

Rwsawbones
Posts: 112
Joined: Fri Jan 20, 2017 11:21 pm

Re: Insurance coverage outside the US

Post by Rwsawbones » Thu Nov 14, 2019 8:14 pm

Suggest you look into GeoBlue and similar plans for coverage out of the United States

Iridium
Posts: 528
Joined: Thu May 19, 2016 10:49 am

Re: Insurance coverage outside the US

Post by Iridium » Thu Nov 14, 2019 9:25 pm

LuigiLikesPizza wrote:
Thu Nov 14, 2019 12:21 pm
Generally speaking, do U.S. based insurance companies pay medical or dental claims when such services are provided outside of the U.S.?

If not and we plan to be outside the US for a number of months, we'd be advised to pay out of pocket or find some type of local insurance?
US insurance companies will almost never cover routine services internationally, but sometimes cover urgent or routine services. You would either need to get an expat health plan or get advice specific to the country you are staying in. Is it a country with substandard medical facilities? Then you probably want to get insurance from an international company that has agreements with the best hospitals in the country. Is it a country with a government run health system? Then you probably don't have a choice but to pay in to the system with your long term visa. Is it a country with dirt cheap and high quality care? Then maybe OOP is reasonable or it might be better to sign up with a discount plan from the best hospital system in the area. Hard to give generic advice, other than that your US carrier will almost certainly not cover everything.

Post Reply