LAS VEGAS - nvtip -- What happens if you need healthcare services when you are hundreds of miles away from the nearest in-network provider? How you receive emergency or non-emergency medical care and pay for it depends largely on your health insurance plan.

All plans cover emergency services at any hospital in the nation regardless of whether you are in your hometown or several states away. If the emergency is deemed life-threatening – such as if you were seriously injured in an auto accident – your emergency care would be covered as though it were in-network.

While this seems straightforward, there may be a catch: different health insurance companies have different rules on what they consider to be an emergency. If you are rushed to the hospital via ambulance for a life-threatening allergic reaction or after a serious auto accident, your health insurance company should be responsible for paying the medical expenses you incur, no matter where you get care in the USA. See your policy. Health insurance companies most likely will deny claims that they decide are not "true emergencies" and you are not in a network hospital. It's not a good idea to go an emergency room on a Friday night with an ingrown toenail. Ingrown toenails don't grow instantly, and if you've had time to get to the urgent care or see your doctor all week long and you wait that is not a true emergency and especially if you go to an emergency room that is not in your network. You will most likely pay for that bill out of your own pocket. If you do go into a hospital with an ingrown toenail on a Friday night but you go to an in-network hospital, it may be "covered", but you are going to pay an awful lot for that toenail when you could have paid a fraction of the bill at an urgent care or in a doctor's office. Be thoughtful in your decisions about healthcare or be prepared to pay out of your own pocket. Emergency rooms are for very, very serious situations. Urgent care visits are for more minor urgencies an doctor's offices are for ingrown toenails.

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Read the full article: https://www.nevadainsuranceenrollment.com/what-you-need-about-health-insurance-when-traveling/

Learn more: https://www.nevadainsuranceenrollment.com/individual-family-health-insurance/

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