Going on vacation this summer?

Going on vacation this summer? Does your insurance have a network in the area you are traveling to? 

As many people travel during the summer it is important to check with your insurance carrier or broker to be sure you will be covered in that area.

Couple things to remember:

- HMO: Most will cover emergencies only when you leave the service area or state. Any other medical bill you may incur that’s not an emergency will be your responsibility and you will pay out-of-pocket. If an emergency arises, make sure and notify your HMO provider immediately. If this does not happen, the HMO may decline payment.

- PPO:  If you the provider is not contracted with the insurance, no matter what the circumstance, all costs will go towards your out-of-network deductible. You would need to pay cash and/or bill the insurance carrier directly as that provider does not have a contract with your insurance carrier. Make sure to keep detailed receipts so you can bill the insurance correctly.

This is why it is important to plan ahead. There are options if your insurance carrier does not cover the area you are traveling to. You can always look into travel insurance and Nevada Benefits can definitely help you with that. Below is a link found on our website regarding travel insurance.

https://www.sevencorners.com/insurance/HW8CCKK

Be safe, be prepared, and have a wonderful summer!