Excellent question! You should check the basic terms of coverage in your health insurance policy and a call to customer service might not be a bad idea. As with everything else in health insurance these days, things are changing rapidly.
It comes as a surprise to many people that their individual or group health insurance may not provide coverage outside of the United States. Internal policies vary between health insurance carriers and they could even vary depending upon your employer and whether they have designed such coverage into their group health plan.
You would be safest to start out with the assumption that you are not covered and that you would want to purchase a specialty policy to cover you during the term of visit outside of the United States. The length and purpose of your stay may also have a bearing on your coverage. Going to Bermuda for two weeks on vacation may be viewed far differently than going on a 6-month mission to Nigeria for example. An insurance broker or travel agent should be able to tell you more about these policies.
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It comes as a surprise to many people that their individual or group health insurance may not provide coverage outside of the United States. Internal policies vary between health insurance carriers and they could even vary depending upon your employer and whether they have designed such coverage into their group health plan.
You would be safest to start out with the assumption that you are not covered and that you would want to purchase a specialty policy to cover you during the term of visit outside of the United States. The length and purpose of your stay may also have a bearing on your coverage. Going to Bermuda for two weeks on vacation may be viewed far differently than going on a 6-month mission to Nigeria for example. An insurance broker or travel agent should be able to tell you more about these policies.