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What to Know About Your Health Insurance Before Traveling

After two years+ of a pandemic, travel for spring break is high on many of our to-do lists. But first, make sure you’re well prepared from a health care perspective. Here’s how Cosmo Insurance Agency can help you protect your health and budget during your much-deserved time away.

What to know before you go

Does your health insurance plan cover everything you need, wherever you’ll be? Before you leave, call speak with one of our customer representatives to ensure you understand how to get the most out of your benefits when you’re away from home.

Do’s and don’ts at your destination

Are you aware of the COVID-19 guidelines that still may apply at your destination? Mask, social distancing, vaccination and testing requirements may vary widely by area. For up-to-date regulations, including the steps necessary to return to the United States, visit this regularly updated “Travel” page on the Centers for Disease Control and Prevention (CDC) website.

Be prepared before you go: the Federal government is providing every household with four free at-home COVID-19 tests.  Get yours on the US Post Office’s COVID-19 test ordering site. Also, if you are exposed to someone diagnosed with COVID-19 or feel symptoms coming on, remember that domestic diagnostic COVID-19 tests are covered through your health insurance plan for no out-of-pocket costs.

What to do in the case of an emergency

If you need emergency medical treatment, go to the closest emergency room immediately. Your health and safety is more important than anything. If away from home, but within the U.S, all emergency care is covered at your plan’s in-network benefits rate. That’s true whether the hospital providing emergency care is in or out-of-network.

Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.