You are ready to go. All the thousand and one details are taken care of and the bags are packed and off you go to live it Italy for the next few years. Your individual family plan medical insurance says that you are covered in case of an emergency. Are you really? What the fine print actually says is that if you receive emergency care in a foreign country you must get the medical transcripts translated into English and then submit them to your insurance company (which they may or not pay). Also, your insurance company has no contract, or network, with foreign providers and thus not much power for negotiation. For folks on a senior health plan like Medicare there is no coverage outside the United States at all.
The United States State Department on its web site says “check your overseas medical insurance coverage: Ask your medical insurance company if your policy applies overseas, and if it covers emergency expenses such as medical evacuation. If it does not, consider supplement insurance.”
Insurance Medics can help keep you safe. We offer Global Medical Insurance through IMG (as well as other carriers). Here is a partial list of benefits for the Silver, Gold, Gold Plus and Platinum plan options.
- Hospitalization – benefit offers benefits for room and board, nursing services, prescription medication, physician charges, diagnostic and lab testing, X-rays, Chemotherapy or Radiation, and durable medical equipment.
- Surgery – benefits offers the following: surgical care, second surgical opinion, physician charges for surgery, treatment, in-patient and outpatient services and supplies routinely provided.
- Emergency room – illness services received in the emergency room are covered up to the maximum limit
- Emergency Medical Evacuation – This coverage is available when there is not a qualified facility in the immediate area to treat your life-threatening illness or injury.
IMG offers a variety of plans to fit your needs from sports packages to simple travel insurance in case your trip gets canceled. You may purchase a high deductible health plan, or a plan with low deductibles. Give us a call and we can go over the different options available.