My COBRA ends in September. United Healthcare Compass is the only insurance company on the New York Marketplace that includes all of our doctors. The only problem, besides how expensive it is, is that it only covers the NY area. So if we are visiting family outside of NY it will only cover a true emergency. Does anyone have experience on emergency visits outside of NY for United Healthcare? I spoke with a very honest United HealthCare agent and she said if my husband had chest pain and it was a heart attack they would cover it but if it just ended up just being gas or a pulled muscle they would not. They also would not cover a sprained ankle but sometimes you do not know it is just sprained until you get the X-ray. So this could be very tricky to understand if it is really an emergency until after you see the Doctor.
Thoughts? Anyone have this situation? Is there an annual medical travels insurance I could get?
Thoughts? Anyone have this situation? Is there an annual medical travels insurance I could get?