Medical Coverage Outside the United States
In most situations, health plans don't pay for health care, supplies or prescription drugs you receive outside the US and its territories (e.g., Puerto Rico, the US Virgin Islands, Guam, American Samoa, the Northern Mariana Islands). You may be responsible for the full cost of medical care outside the US and its territories.
Speak with your insurance carrier for more information about coverage while traveling outside the US. Your health plan may offer additional coverage for health care services outside the US.
Via Benefits offers plans that provide coverage outside the US. Please call us at 1-866-322-2824 (TTY: 711) to review your current medical coverage and identify any gaps in coverage.
Foreign hospitals aren't required to file health care claims. If a hospital doesn't submit health care claims for you, you must submit an itemized bill to your insurance carrier.
Coverage While on a Cruise
Your current insurance carrier may cover medically necessary health care services you receive on a cruise ship when:
The doctor is allowed, under certain laws, to provide medical services on the cruise ship.
The ship is in a US port or no more than six hours away from a US port when you receive the services regardless of whether it's an emergency.
The doctor must submit the claim as usual if you received covered services on a cruise ship. However, you may also file a claim directly with your insurance carrier. You still pay the coinsurance or copayments and deductibles you would normally pay if you got these same services or supplies inside the US.