With summertime comes plenty of exciting adventures for children, from summer camp to semesters abroad. While we can get wrapped up in the excitement that comes along with planning our children's summer activities, it is important to keep in mind that their healthcare insurance needs may change depending on the activities you've planned and where you are sending your child on vacation. Read on to clear up any misunderstandings about your health insurance when traveling. Doing so could save you a tremendous amount of money.

Does Your Health Insurance Cover Charges Out of State?

If you are planning on sending your child on vacation out of state,  you are going to want to ask your insurance provider some questions in advance. Many insurance policies do not cover services outside of your normal service area unless it is an emergency. Prior to departing, you will want to double-check with your insurance carrier if out-of-state services are covered under your policy, and if there is any special program you have to sign up for in order for the services to be eligible. The last thing you want is for your child to go out of state and have their medical services denied as a policy exclusion. 

Does Your Health Insurance Cover International Services?

If you are sending your child for a semester abroad, or if  your child is traveling overseas with a group, you will need to check with your carrier to see whether your insurance will cover overseas emergency situations. You may be surprised to hear this, but many health insurance carriers do not provide coverage for services, whether emergency or routine, outside of the United States. Make sure that you verify with your health insurance carrier before your children depart for foreign shores. 

Are Immunizations for Travel Covered?

When you are traveling to certain areas of the world, you may be required to get your children immunized to protect them from a broad array of diseases. Be sure to check with your carrier if the immunizations are covered before you go to the doctor's office and bring extra cash if they are not.

The Bottom Line

There are many unclear areas when it comes to health coverage and traveling. Be sure that you get all of their insurance needs covered before allowing your child to travel. This way, you safeguard your finances, encourage optimum health, and have peace of mind.  For complete information on travel and Round Rock health insurance, call Integrity Network Insurance Group at 512-989-6006.

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