Your Travel

No matter where sickness or injury strikes – even if you’re traveling – you’re covered for emergency care, urgent care (also called convenient care or a walk-in clinic) or an ambulance at the in-network cost-share amount.

You’re also covered at the in-network cost-share if you’re admitted to a hospital through the emergency department.

POS plans offer out-of-network coverage for routine care, including physical therapy or doctor’s visits. With an HMO, out-of-network routine care won’t be covered, but some services, like physical therapy, might be covered if deemed medically necessary for you to be able to return home.

How You’re Covered • Break your ankle while hiking? Your emergency care is covered both in and out of network, and so is any emergency surgery you need as a result. • Need routine physical therapy? You’re covered on a

POS plan, but you may have to pay more for being out of network. With an HMO plan, you only have coverage when seeing an in-network provider. • Take a tumble and need physical therapy in order to return home? You’re covered both in and out of network if deemed medically necessary. • Come down with a cold or flu? Urgent care (also called convenient care or a walk-in clinic) is covered at the in-network level regardless of where you get your care. • Need a routine physical? With an HMO plan, you only have coverage when seeing an in-network provider.

If you have questions about other situations, give us a call.

Assist America®

Have peace of mind whenever you travel 100 miles or more from home. With doctors, nurses and emergency medical technicians on staff, help is just a phone call away, 24 hours a day and 365 days a year.

Assist America can connect you to prompt medical attention and help make sure you’re admitted to reliable hospitals when needed. Plus, it can even help in some situations that aren’t health-related.

Here are just some of its many features:

• Prescription assistance if you need medication or left your prescription behind. • Compassionate visit from someone close to you if you need to be hospitalized for more than a week. • Emergency medical evacuation. • Lost luggage assistance. • Interpreter and legal referrals.

All Assist America benefits apply on all of our Medicare Advantage plans, but when you’re out of network, our HMO plans cover only emergency and urgent care. Assist America will not pay you back for ambulance and other services you arrange on your own. In a life-threatening emergency, always call the ambulance right away. There is no added cost for the service itself, but there could still be a cost with any medical care. Other conditions and exclusions may apply.