Whether you’re heading down the shore for a week, visiting Florida to see Mickey, or taking the family trip of a lifetime to a faraway foreign land this summer, getting sick or injured is the last thing anyone wants on our vacation. With a little advance planning, you can make sure you’ve got what you need to protect your health and your wallet when you’re away.
Check in With Your Health Insurance Company Before You Leave
Knowing what your insurance plan covers while you’re on vacation is the best way to prevent avoidable out-of-pocket costs. Before you leave, make sure you understand how to get the most out of your benefits when you’re away from home.
In an Emergency
If it’s an emergency, seek care as quickly as possible at the closest emergency room. Nothing is more important than your health or safety. If you are away from home, but still here in the United States, emergency care is always covered at the in-network level of benefits for every plan no matter whether the hospital is in-network or not.
Out-of-state, but still in country
Traveling domestically but beyond New Jersey’s borders? If you are out of sate an experience an Emergency you are covered based on your current benefits.
Leaving the United States?
Health care, and the health care systems, in foreign countries, can be very different than what you are used to here in the U.S. Travelers facing an unexpected health emergency can face huge out of pocket expenses unless they plan ahead.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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