Retire in Paradise

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Visitor health insurance can be purchased for visitors from abroad. This insurance can protect the host family from financial ruin in case visitors fall sick. Ensure that the coverage includes the days they are in transit.

Once you have purchased the coverage make sure you receive the insurance cards and proof of coverage. They are emailed immediately upon purchase of the plan. Visitors can carry the cards with them at all times.

Ascertain if the insurance follows a preferred network of providers. Insurance companies typically offer the most benefits if you visit providers from within the network. So, use a physician and hospital within the network wherever you travel.

The insurance card will provide an Assist number to contact in case you need any information regarding benefits and eligibility. Procedures stipulated by the insurance company must be followed when you seek treatment. Certain treatments may require precertification before the procedure.

If there is a life threatening emergency you must call 911 for assistance. In other cases it is best to make an appointment with a physician. If you need help outside of normal business hours, you must go to an Urgent Care Center. Do not go to the Emergency Room if it is not an emergency. Most plans will not cover ER visits if the visit does not lead to hospitalization or is not of an emergency nature.

The decision to bill the insurance directly or require payment immediately from the patient is made by the medical provider. Claim forms must be sent with all itemized bills. Additional information may be requested before a claim is approved; make sure your contact information is up to date.

Tags: Travel & Leisure