Travel Ins and Med Supp

[vic120]

Ok I have a client, I advised to get a travel insurance policy when she left the country
and she had a big even in turkey, her travel policy paid $42,000 and all was good till today

She is emailing me for help

She said they are asking her to fill out forms to coordinate benefits with her medsupp with is united healthcare in this case
and she is afraid she will be left paying out the 20% out of pocket her med supp would have charged her for this event

She is asking what to do and what will the travel insurance do

I am guessing she has no option but to sign the documents and to submit to UHC correct?

But what to I tell her about her travil policy?

 

[rmhaire]

Ok I have a client, I advised to get a travel insurance policy when she left the country
and she had a big even in turkey, her travel policy paid $42,000 and all was good till today

She is emailing me for help

She said they are asking her to fill out forms to coordinate benefits with her medsupp with is united healthcare in this case
and she is afraid she will be left paying out the 20% out of pocket her med supp would have charged her for this event

She is asking what to do and what will the travel insurance do

I am guessing she has no option but to sign the documents and to submit to UHC correct?

But what to I tell her about her travil policy?

Tell her not to sign anything until you've had a chance to look at her travel policy.

The travel carrier wants her supplement to pay 80%. Depends on the coordination clause in her policy.

 

[vic120]

Tell her not to sign anything until you've had a chance to look at her travel policy.

The travel carrier wants her supplement to pay 80%. Depends on the coordination clause in her policy.

Ok, After seeing this post, I asked her to get me a copy of it, she is going to call the company and get it to me

She will get it to me when she can maybe Monday she will get ahold of them

I don't know what I am looking for or what is standard with travel policies though

 

[rmhaire]

I don't know what I am looking for or what is standard with travel policies though

Most of us on here don't know either. We don't deal with that every day.

And the reason we don't is that most of our people are too broke to travel. And the ones that can afford it won't leave the house.

One thing you can do is call UHC. They see it a lot. Just ask them general questions without naming names. Nobody gets hurt.

 

[somarco]

I don't recall anyone asking this before, but my understanding is, when you have an international travel medical plan that coverage is primary . . . Medigap is secondary.

Look at the policy language regarding primary vs secondary coverage.

If the travel med plan is primary, UHC SHOULD be expected to pay 80% of the remainder.

The GeoBlue plan that I recommend pays 100% of the claim after the deductible is satisfied . . .

Other than the deductible, there should be very little (if any) for the Medigap carrier to pay.

I think G is the only plan that has out of country coverage and the plan pays 80% of covered charges after a $250 deductible.

 

[rmhaire]

I don't recall anyone asking this before, but my understanding is, when you have an international travel medical plan that coverage is primary . . . Medigap is secondary.

Look at the policy language regarding primary vs secondary coverage.

If the travel med plan is primary, UHC SHOULD be expected to pay 80% of the remainder.

The GeoBlue plan that I recommend pays 100% of the claim after the deductible is satisfied . . .

Other than the deductible, there should be very little (if any) for the Medigap carrier to pay.

I think G is the only plan that has out of country coverage and the plan pays 80% of covered charges after a $250 deductible.

I think I remember both G and N paying. But only for emergencies.

Also something about being on a cruise ship within so many miles of a US port.

But the gist of what I've read is what you posted.

 

[goillini52]

I don't recall anyone asking this before, but my understanding is, when you have an international travel medical plan that coverage is primary . . . Medigap is secondary.

Look at the policy language regarding primary vs secondary coverage.

If the travel med plan is primary, UHC SHOULD be expected to pay 80% of the remainder.

The GeoBlue plan that I recommend pays 100% of the claim after the deductible is satisfied . . .

Other than the deductible, there should be very little (if any) for the Medigap carrier to pay.

I think G is the only plan that has out of country coverage and the plan pays 80% of covered charges after a $250 deductible.

And the policyholder is responsible for the bill and the Med Supp will reimburse them.

D, G, M, N, C and F all have the Foreign Travel Benefit.

 

[Tahoe Ray]

The GeoBlue plan that I recommend pays 100% of the claim after the deductible is satisfied . . .

Petersen policy works the same way.

100% of claim after the deductible is satisfied.

 

[somarco]

https://www.medicare.gov/publications/11037-medicare-coverage-outside-the-united-states.pdf

 

[kgmom219]

UHC should pay first.

80% after the $250 per occurrence deductible, with a $50K lifetime max.

Also, this is not covered by Medicare. The foreign travel benefit on the Supplements is mandated by Medicare, but is completely paid for by the Supplement carrier.