Author Topic: ACA insurance and Travel  (Read 636 times)

boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
ACA insurance and Travel
« on: January 10, 2022, 02:05:33 PM »
What are all you retirees doing when you travel.  All my ACA plans only cover ER visits out of state.  I can do virtual care visits for free on the plan i chose.  But what do you guys do who travel a lot? Is it necessary to buy supplemental insurance?  Feel like any Emergency is easy kid breaks an arm clearly go to the ER.  But we're going to be in hawaii for 3 weeks coming up and while most care can be diagnosed remotely now i just wondered if it was worth it and where you found the best deals.

seattlecyclone

  • Walrus Stache
  • *******
  • Posts: 6374
  • Age: 37
  • Location: Seattle, WA
    • My blog
Re: ACA insurance and Travel
« Reply #1 on: January 10, 2022, 02:10:21 PM »
I think for most of us we just need to come to terms with the fact that if we need urgent-but-not-emergency care when traveling out of state we'll likely need to pay cash for it. Annoying, yes, but shouldn't break the bank for a FIREd individual.

boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
Re: ACA insurance and Travel
« Reply #2 on: January 10, 2022, 02:12:34 PM »
I think for most of us we just need to come to terms with the fact that if we need urgent-but-not-emergency care when traveling out of state we'll likely need to pay cash for it. Annoying, yes, but shouldn't break the bank for a FIREd individual.

thats the option we were planning to use just didnt know if it was worth the coverage.  I found 500k in medical coverage for 62 dollars. or 1MM for 136 dollars for 20 days in hawaii

seattlecyclone

  • Walrus Stache
  • *******
  • Posts: 6374
  • Age: 37
  • Location: Seattle, WA
    • My blog
Re: ACA insurance and Travel
« Reply #3 on: January 10, 2022, 02:16:33 PM »
I was thinking more along the lines of "find the nearest urgent care clinic if needed, pay their cash rate" rather than buying some sort of supplemental travel policy. I would think/hope/expect that anything costing much more than $1,000 would be covered under the regular health insurance emergency care provisions. The cheaper non-emergency stuff is a small enough potential expense that I personally wouldn't mess around with insurance for it.

boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
Re: ACA insurance and Travel
« Reply #4 on: January 10, 2022, 02:36:45 PM »
I was thinking more along the lines of "find the nearest urgent care clinic if needed, pay their cash rate" rather than buying some sort of supplemental travel policy. I would think/hope/expect that anything costing much more than $1,000 would be covered under the regular health insurance emergency care provisions. The cheaper non-emergency stuff is a small enough potential expense that I personally wouldn't mess around with insurance for it.

yeah sounds good to me.  just trying to cover some bases but your plan was in line with my thinking as well. and since our plan has free virtual care we really would only have to go to an urgent care for a bad cut or some kind of animal sting/bite etc.

katsiki

  • Handlebar Stache
  • *****
  • Posts: 1895
  • Age: 41
  • Location: La.
Re: ACA insurance and Travel
« Reply #5 on: January 10, 2022, 02:43:46 PM »
I was thinking more along the lines of "find the nearest urgent care clinic if needed, pay their cash rate" rather than buying some sort of supplemental travel policy. I would think/hope/expect that anything costing much more than $1,000 would be covered under the regular health insurance emergency care provisions. The cheaper non-emergency stuff is a small enough potential expense that I personally wouldn't mess around with insurance for it.

I would not count on that $1,000 scenario coming true in most cases.  There was a recent thread about an ambulance bill here that matches my experience personally in the past.

Not sure this is helpful to OP but I would hate for folks to think insurance in this country works so well and easily as above.

Villanelle

  • Magnum Stache
  • ******
  • Posts: 4546
Re: ACA insurance and Travel
« Reply #6 on: January 10, 2022, 03:10:20 PM »
I was thinking more along the lines of "find the nearest urgent care clinic if needed, pay their cash rate" rather than buying some sort of supplemental travel policy. I would think/hope/expect that anything costing much more than $1,000 would be covered under the regular health insurance emergency care provisions. The cheaper non-emergency stuff is a small enough potential expense that I personally wouldn't mess around with insurance for it.

I would not count on that $1,000 scenario coming true in most cases.  There was a recent thread about an ambulance bill here that matches my experience personally in the past.

Not sure this is helpful to OP but I would hate for folks to think insurance in this country works so well and easily as above.

Wouldn't anything requiring an ambulance be an emergency, and therefore covered under OP's plan?

retireby50

  • 5 O'Clock Shadow
  • *
  • Posts: 4
Re: ACA insurance and Travel
« Reply #7 on: January 10, 2022, 03:50:59 PM »
We purchase Travel Nomads insurance for all out of state/country travel we do. My ACA plan doesn't even cover out of state for all emergencies, the emergency must be life-threatening (i.e. a broken bone is gonna be out of pocket.)

katsiki

  • Handlebar Stache
  • *****
  • Posts: 1895
  • Age: 41
  • Location: La.
Re: ACA insurance and Travel
« Reply #8 on: January 10, 2022, 09:34:12 PM »
I was thinking more along the lines of "find the nearest urgent care clinic if needed, pay their cash rate" rather than buying some sort of supplemental travel policy. I would think/hope/expect that anything costing much more than $1,000 would be covered under the regular health insurance emergency care provisions. The cheaper non-emergency stuff is a small enough potential expense that I personally wouldn't mess around with insurance for it.

I would not count on that $1,000 scenario coming true in most cases.  There was a recent thread about an ambulance bill here that matches my experience personally in the past.

Not sure this is helpful to OP but I would hate for folks to think insurance in this country works so well and easily as above.

Wouldn't anything requiring an ambulance be an emergency, and therefore covered under OP's plan?

Nope.  Not in my experience or the thread I mentioned.  Some items may be covered but I would expect many charges to be out of network and not covered by the emergency, including the ambulance.  Sorry to be a killjoy but if someone is worried about this (rightly so) I would certainly look into additional coverage options.

boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
Re: ACA insurance and Travel
« Reply #9 on: January 11, 2022, 05:08:31 AM »
yeah if people could throw down options they've used before that would be great.  Just googling around its about 100-150 dollars and it almost always includes trip insurance too - which we dont need but oh well.  one delayed flight and i'll make that 100-150 back.  Seems silly not to insure a family of 4 for under 10 bucks a day for reasons mentioned above.  I'll need to read my ACA plan to see what counts as an emergency.  If broken bone doesnt count thats pretty absurd.

Greystache

  • Bristles
  • ***
  • Posts: 473
Re: ACA insurance and Travel
« Reply #10 on: January 11, 2022, 07:35:36 AM »
I have an ACA bronze plan with a high deductable ($6K). I chose this plan because I'm pretty healthy and I want the HSA.  Anyway, I just assume I am paying out of pocket for any minor thing that comes up while I'm traveling.  So far, after 7 years of retirement and multiple extended road trips, I have only had to seek medical help on the road once (antibiotics for a minor infection).

DaMa

  • Pencil Stache
  • ****
  • Posts: 820
Re: ACA insurance and Travel
« Reply #11 on: January 12, 2022, 09:34:03 AM »
A broken bone is an emergent condition.  Emergency coverage only gets you to "stabilized," though.  There is a lot of room there for insurance companies to wiggle out of payment. 

Most of the time they will just say no.  You then have to jump through all the hoops to get your claims paid, starting with an appeal.  There is no legislation protecting consumers from these practices.  Providers routinely bill patients for covered benefits after getting insurance rejections.  There is no onus on them to do it right.  They might get paid more if you end up paying, so they have an incentive to do it wrong.

I worked for a company around 1990 who rejected ALL ER claims.  Claim came in and was rejected.  A letter was sent to member asking for info about whether the claim was for an an injury and if it was in a car or home or at work (in order to identify another payer).  If the info wasn't returned, the claim would never get paid. 

I could give many more examples.  Stepping off my soapbox now. 

boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
Re: ACA insurance and Travel
« Reply #12 on: January 12, 2022, 09:42:16 AM »
so i guess again back to the 2nd question who is everyone using for this type of insurance.  I mean 100 bucks is about the ballpark i've found and seems more than fair for our time in hawaii.  and is an extremely low price to pay

DaMa

  • Pencil Stache
  • ****
  • Posts: 820
Re: ACA insurance and Travel
« Reply #13 on: January 12, 2022, 10:34:53 AM »
I wouldn't hesitate to pay $100 for coverage for a family of 4 for a big vacation like Hawaii.  It's all about peace of mind and asset protection.

I have the Chase Sapphire Reserve which has some medical coverage on it. My travel agent friend uses Allianz for her trips.  They have a medical only which I considered getting to supplement the CSR card. The company has good reviews.

I'm going to pay attention to what you do, because I also have emergency only outside of my network on my ACA plan.  Thank you for sharing, and I hope you don't ever need to use it!


boarder42

  • Walrus Stache
  • *******
  • Posts: 9149
Re: ACA insurance and Travel
« Reply #14 on: January 12, 2022, 06:04:33 PM »
I wouldn't hesitate to pay $100 for coverage for a family of 4 for a big vacation like Hawaii.  It's all about peace of mind and asset protection.

I have the Chase Sapphire Reserve which has some medical coverage on it. My travel agent friend uses Allianz for her trips.  They have a medical only which I considered getting to supplement the CSR card. The company has good reviews.

I'm going to pay attention to what you do, because I also have emergency only outside of my network on my ACA plan.  Thank you for sharing, and I hope you don't ever need to use it!

What level coverage does the csr have on it?

DaMa

  • Pencil Stache
  • ****
  • Posts: 820
Re: ACA insurance and Travel
« Reply #15 on: January 13, 2022, 09:14:19 AM »
Here's an comparison I did.  I was cruising, so didn't include any of the auto features of the CSR.

   Chase Sapphire Reserve   "Allianz Medical $46 (est)"
PER PERSON BENEFITS      
Trip Cancellation   $10,000   
Trip Interruption           $10,000   
Em Med Transport   $100,000      $250,000
Travel Accident           $1,000,000  $10,000
Baggage Delay           $500             $750
Bag Loss/Damage   $3,000     $2,000
Travel Delay           $500             $1,000
Concierge                   Yes              Yes
24-Hr Hotline Assist   Yes              Yes
Emergency Medical & Dental Coverage   $2,500   $50,000

Mrs. Burning Bush

  • 5 O'Clock Shadow
  • *
  • Posts: 5
  • Age: 49
Re: ACA insurance and Travel
« Reply #16 on: January 14, 2022, 05:45:07 PM »
What are all you retirees doing when you travel.  All my ACA plans only cover ER visits out of state.  I can do virtual care visits for free on the plan i chose.  But what do you guys do who travel a lot? Is it necessary to buy supplemental insurance?  Feel like any Emergency is easy kid breaks an arm clearly go to the ER.  But we're going to be in hawaii for 3 weeks coming up and while most care can be diagnosed remotely now i just wondered if it was worth it and where you found the best deals.


We started with Sedera last year instead of the ACA.  We have found it to be reliable, cheaper and less hassle than traditional insurance.  In fact, we started with Sedera in May of last year, and in August I wrecked my bicycle which resulted in three broken ribs and a punctured lung. . . .  Ended up in the E.R. and hospitalized for 3 days, suffice it to say the moment of truth came way before I was ready, but Sedera came through just like I had counted on.  And they don't care where you get medical treatment - in state, out of state, or out of country.  Might be worth reading up on.  I found it through one of MMM's blogs.  There is also Zion, similar to Sedera in many ways.   Good luck!

Rdy2Fire

  • Bristles
  • ***
  • Posts: 384
Re: ACA insurance and Travel
« Reply #17 on: January 15, 2022, 08:22:27 AM »
I purchased an annual allianz travel insurance, I had never done so before COVID but given you could end up quarantined somewhere with a hefty bill it seemed like a smart investment

DaTrill

  • Stubble
  • **
  • Posts: 158
Re: ACA insurance and Travel
« Reply #18 on: January 15, 2022, 12:39:42 PM »
OP: Good questions but incredibly complex to provide a ubiquitous answer to any insurance question from different states using different insurance companies, plus all policies can change at any time for any reason and one has to keep up with these changes.  I also worked in Insurance for a time and as an up-poster mentioned, it is customary for all ER claims to be denied in all cases.  Also mentioned by up-poster some credit cards offer this kind of insurance with limits and in my experience, credit cards/banks offer the easiest claims experience possible.  AAA also provides this kind of insurance, is licensed in most states (probably all) and would have some ownership by a local agent if you had an incident.  ACA rules and Trump's removal of some rules has made this more complex than ever.   

I am in the same boat to balance US and International travel with ACA starting in 2023 and gave up planning as all the policies change from year to year.  I've used AIG and United in the past.  Had $25,000 emergency in state incident covered 100%, not one issue after paying $1000 deductible many years ago.

https://www.uhone.com/health-insurance-plans-by-state?LeadSourceName=Brand-GR-Bing-GeneralAudience-Exact&gclid=e5742c63b6481cda64f34d809406e44a&gclsrc=3p.ds&ds_rl=1289903&msclkid=e5742c63b6481cda64f34d809406e44a&utm_source=bing&utm_medium=cpc&utm_campaign=Brand-GR-Bing-GeneralAudience-Exact&utm_term=golden%20rule%20insurance&utm_content=High%20Volume%20-%20Golden%20Rule%20Insurance

I will probably go with AXA plan for world emergency coverage for example.
https://www.axaglobalhealthcare.com/en/short-term-global-health-insurance/