Understand your coverage when you travel

Going to the doctor is probably one of the last things on your mind while traveling. But if sickness or injury strikes, you have coverage for any emergency room, urgent care center (also called convenient care or a walk-in clinic) or ambulance at the in-network cost-share amount. And you’ll be covered if you’re admitted to the hospital through the emergency room.

POS plans offer out-of-network coverage for routine care, including physical therapy or doctor’s visits, but with an HMO, any routine care you receive while out of network won’t be covered. Some services, like physical therapy, may be covered if they’re 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. You’re not covered on an HMO.

• Take a tumble and need physical therapy in order to return home? You’re covered at the in-network level regardless of where you get your care. • Come down with a cold or flu? Urgent care, convenient care and walk-in clinics are covered both in and out of network.

• Need a routine physical? You’re covered on a POS plan, but you may have to pay more for being out of network.

You’re not covered on an HMO. • If you have questions about other situations, give us a call at the number on the back of this guide.

Helpful Travel Reminders

You have Digital Health Options to get care and navigate your health digitally.

You can also call our OSF 24/7 Nurse Line to get 24/7 answers to your health questions, like whether you need to set up an appointment or see a doctor right away.

Help is just a phone call away with Assist America® when you travel 100 miles or more from home.

And remember, no matter where you are, urgent or emergency care is covered at the in-network benefit level.