Katy19 wrote:
The travel insurance is through DAN. Divers Alert Network. I also have their dive insurance (different plan) put it is not required if you just want to buy the travel ins. policy. We have not used it yet. I plan on usually paying cash or cc then submitting it for reimbursement. We are 58 and 59 yrs old. We pay 500/yr.
I found their website, and of course it doesn't have many details. Is incurring the expenses and submitting for reimbursement how the plan works? It could be, since they may not care how much you're paying as long as there's a cap on what they'll have to pay, and if you run up an unnecessarily large bill, that's not their problem.
Also, do you know what your policy defines as a "trip"? The website said it had to be more than 100 miles from home, which is no problem because one's regular insurance would cover the stuff close to home. But I'd want to be sure that being away from "home" for a year or more at a time would still be considered a "trip."
I'll also note that it excludes coverage for pre-existing conditions.
But I'm thinking that for people in a state that has Ambetter EPO policies (18 states), an arrangement like this might be an option, assuming a person has access to Ambetter's network in whichever states it operates, regardless of which state the policy was issued in. I don't know.
And Ambetter doesn't offer any out-of-network coverage at all, but then again neither do HMOs. At least with Ambetter, there might be options other than going to your home network, if all states where Ambetter issues policies are considered in-network.
