Unlike you I didn't feel the need to make any disparaging remarks about any of your comments, all I said was I was unsure about a Humana travel benefit because (1) there is nothing in the Summary of Benefits and (2) a Humana CSR specifically said it would be considered out of network.
You seem to be correct about this, there is a single paragraph in the ANOC that says there is a U.S. Travel Benefit (Chapter 4, Section 2.2) although I find it interesting that this is the only mention of it and, should a subscriber call in, they could easily be told something different.
You also said the following, which is incorrect: 'This is different than with UHC that requires prior notice of being out-of-coverage area, and you must be out of the area for at least 4-months.'
All the Passport program says is that you can only be away for 9 consecutive months, it says nothing about having to be away for any specific minimum time period:
A benefit that helps you travel well.
Our UnitedHealth Passport® travel benefit is included in your plan. You can access all the benefits you enjoy at home while you travel within the UnitedHealth Passport service area (see below). Great for long road trips or those who winter away from home, the coverage is effective for up to nine straight months. You pay the same co-pay or co-insurance as you would at home for non-emergency care, including preventive care, specialist care and hospitalizations. Emergency care is already covered worldwide with all of our
Medicare Advantage plans.'
I also live and work in Florida, represent the same companies as you, and have a good sized book of business with each of my major companies. When I have a client who does travel during the year I usually recommend UHC because they specifically provide the travel benefit and don't choose to hide it in a document virtually no one will reference while having internal staff who aren't up to speed and could easily deny a benefit for someone.
