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Travel medical insurance for US citizen
I am looking for a good travel medical insurance provider for
a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco |
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Marco wrote:
I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. -- Joseph Meehan 26 + 6 = 1 It's Irish Math |
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On Tue, 15 Feb 2005 18:53:27 GMT, "Joseph Meehan"
wrote: Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. But you usually have to pay out-of=pocket and turn in the bills for reimbursement, since out-of-country providers are unlikely to bill directly. Still, med care is a lot cheaper other places, and a credit card should cover it nicely. In my case, I'm on Medicare, which doesn't pay anything at all for out-of-country medical care, but my supplemental plan does. ************* DAVE HATUNEN ) ************* * Tucson Arizona, out where the cacti grow * * My typos & mispellings are intentional copyright traps * |
#4
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Hatunen wrote:
On Tue, 15 Feb 2005 18:53:27 GMT, "Joseph Meehan" wrote: Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. But you usually have to pay out-of=pocket and turn in the bills for reimbursement, since out-of-country providers are unlikely to bill directly. Still, med care is a lot cheaper other places, and a credit card should cover it nicely. I'm aware that this may not cover the need of the OP, but in the UK, emergency medical coverage is free to anyone, regardless of their status in the UK. You should be charged if you went to see an NHS doctor, but even that is not certain. There are also walk-in centres in towns and cities, which are not likely to charge. -- David Horne- www.davidhorne.net usenet (at) davidhorne (dot) co (dot) uk |
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"chancellor of the duchy of besses o' th' barn" wrote in message news:1gs1s65.ql9gyv1rdj8geN%this_address_is_for_sp ... Hatunen wrote: On Tue, 15 Feb 2005 18:53:27 GMT, "Joseph Meehan" wrote: Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. But you usually have to pay out-of=pocket and turn in the bills for reimbursement, since out-of-country providers are unlikely to bill directly. Still, med care is a lot cheaper other places, and a credit card should cover it nicely. I'm aware that this may not cover the need of the OP, but in the UK, emergency medical coverage is free to anyone, regardless of their status in the UK. You should be charged if you went to see an NHS doctor, but even that is not certain. There are also walk-in centres in towns and cities, which are not likely to charge. But only treatment in the Accident and Emergency Dept of a hospital (or walk-in centre). If you are subsequently admitted into a ward (say a coronary care after a heart attack), any treatment and care will be chargeable. A new system has come in recently (Apr 04) which makes it almost certain that any NHS hospital will ask for payment (though not upfront) or insurance details. Different rules apply to EU/EEA citizens and those nationals with reciprocal agreement (e.g Australians, NZers, Russians). Alec |
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Alec wrote:
"chancellor of the duchy of besses o' th' barn" wrote in message [] I'm aware that this may not cover the need of the OP, but in the UK, emergency medical coverage is free to anyone, regardless of their status in the UK. You should be charged if you went to see an NHS doctor, but even that is not certain. There are also walk-in centres in towns and cities, which are not likely to charge. But only treatment in the Accident and Emergency Dept of a hospital (or walk-in centre). If you are subsequently admitted into a ward (say a coronary care after a heart attack), any treatment and care will be chargeable. A new system has come in recently (Apr 04) which makes it almost certain that any NHS hospital will ask for payment (though not upfront) or insurance details. Different rules apply to EU/EEA citizens and those nationals with reciprocal agreement (e.g Australians, NZers, Russians). The US doesn't have such agreements, of course. In the unlikely event of that happening (most people visiting the UK for two months don't get admitted to a ward) there is not much of a mechanism in place for the NHS to pursue payment. In a private hospital, they would be more accustomed to it. -- David Horne- www.davidhorne.net usenet (at) davidhorne (dot) co (dot) uk |
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I have American Express's travel medical policy which covers
me for anything my primary coverage does not, anywhere more than 100 miles from home. (Since neither Medicare nor my Blue Cross supplement cover me in Europe, that means everything, when I'm abroad.) It's an annual premium (which varies according to age) but I'm over 65 and pay $136 a year for coverage up to $100,000, which I think is pretty good. I've had occasion to use it twice, and the reimbursement check arrived almost by return mail, once I sent in the documentation (explanation of the situation, plus copies of the receipted bills from physician and pharmacy). Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco |
#8
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Joseph Meehan wrote: Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. Depends upon age - Medicare will not cover you overseas, nor will many Medicare supplements. (Mine does not, although I've been told some do.) |
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EvelynVogtGamble(Divamanque) wrote:
Joseph Meehan wrote: Marco wrote: I am looking for a good travel medical insurance provider for a US citizen who is going to spend two months in the UK. Any suggestions? Thanks, Marco Check with your current medical insurance. Many will cover you when you are out of the country. Even when they have very restricted providers while in your home area and the area they cover, they usually provide coverage when you are out of the country. Depends upon age - Medicare will not cover you overseas, nor will many Medicare supplements. (Mine does not, although I've been told some do.) That is why I suggested they check their insurance. Mine does and I am retired. Not everyone is as lucky as I to have this coverage. -- Joseph Meehan 26 + 6 = 1 It's Irish Math |
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