Foreign Travel with an MA

Dowejonez

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Iowa
Anyone know how an emergency visit in Italy would be billed with an MA(HMO)? Would the provider(s) require payment at point of service if a $5000 claim was made, then reimbursement later to patient?
 
That's going to vary by carrier. If it was an emergency then it wouldn't be a POS claim. You'll want to look at the Summary of Benefits to find out what the benefit amount is (some don't have a limit). The carrier wouldn't require the insured to pay the facility, but the facility may require it. In that event, usually the carrier can reimburse the insured up the the policy limit less the applicable copay. Cases like that are usually handled on a case by case basis because there are so many variables.
 
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