Hi /r/healthinsurance. Can you help me navigate how to choose a plan that will protect me when I am traveling? I am under my employer’s group plan which considers all overseas emergency services in-network. It will pay out after a $325 deductible and 10% coinsurance.
For medical service charges that are not emergency services it will be considered out-of-network after $975 deductible and 40% coinsurance. Out of pocket max $10,000.
I plan on taking my grandmother on her dream cruise (Panama Canal) when the pandemic allows. If I make a sample quote just for myself on ‘insuremytrip’ for a strictly medical plan (not comprehensive) it comes to a grand total of $64 for $2,000,000 Medical Limit and a $1,000,000 Medical Evacuation Limit. $250 deductible. All of this is ‘secondary’ insurance per the quotation page.
Let’s say I do run into a medical emergency overseas, I would present my primary insurance, which is my employer’s plan, and I am assuming the secondary insurance will pick up the rest, correct? Does this mean that I will have to pay both plans’ deductibles? Can I just bypass using my employer’s plan overseas so that the “secondary” insurance is my primary by default?
**My VISA credit card offers trip protection if I were to cancel for covered reasons
submitted by /u/onawhatwhat
[link] [comments]Hi /r/healthinsurance. Can you help me navigate how to choose a plan that will protect me when I am traveling? I am under my employer’s group plan which considers all overseas emergency services in-network. It will pay out after a $325 deductible and 10% coinsurance. For medical service charges that are not emergency services it will be considered out-of-network after $975 deductible and 40% coinsurance. Out of pocket max $10,000. I plan on taking my grandmother on her dream cruise (Panama Canal) when the pandemic allows. If I make a sample quote just for myself on ‘insuremytrip’ for a strictly medical plan (not comprehensive) it comes to a grand total of $64 for $2,000,000 Medical Limit and a $1,000,000 Medical Evacuation Limit. $250 deductible. All of this is ‘secondary’ insurance per the quotation page. Let’s say I do run into a medical emergency overseas, I would present my primary insurance, which is my employer’s plan, and I am assuming the secondary insurance will pick up the rest, correct? Does this mean that I will have to pay both plans’ deductibles? Can I just bypass using my employer’s plan overseas so that the “secondary” insurance is my primary by default? **My VISA credit card offers trip protection if I were to cancel for covered reasons submitted by /u/onawhatwhat [link] [comments]Read Morer/HealthInsurance