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What’s Covered When You Travel?

You can relax and enjoy your next trip knowing that you’re covered for emergency or urgent health care anywhere in the world. Here’s what you need to know.

You can be away for up to six months

You can be outside our service area for up to six consecutive months and still receive emergency or urgent care coverage.1 (For example, if you travel to Arizona for the winter, you could stay there for up to six months and still be covered.)

No referral needed

You don’t need a referral from your primary care provider to receive emergency or urgent care. Routine or preventive care, like a physical or hearing exam, isn’t covered outside our service area. So remember to schedule routine care appointments before or after your trip.

What’s a medical emergency?

A medical emergency is when you believe your health is in serious danger. Examples include severe pain, serious injury, sudden illness, or a medical condition that’s rapidly getting worse.

If you have a medical emergency:

Call an ambulance, or go to the nearest emergency room or hospital.
You don’t need approval or a referral from your primary care provider to get emergency care. You’re covered for medical emergencies anywhere in the world.
Within 48 hours, call Customer Service and tell us about your emergency so we can follow up on your care. Customer Service’s number is on the back of your membership card.

What’s urgently needed care?

Urgently needed care is when you need medical attention right away, and can’t wait to see a network service provider, but your health isn’t in serious danger. Illnesses and minor injuries might require this type of care.

If you need urgent care:

Our plan will cover care that you get from any provider. You don’t need approval or a referral from your primary care provider to get urgently needed care.

How to get reimbursed

If you receive urgent or emergency care outside our service area, you might need to pay the costs out of pocket. Save the paperwork for any services you receive, and call Customer Service. They’ll walk you through how to get reimbursed.2

Traveling and prescriptions

If you lose or run out of prescription medications while traveling, we will cover prescriptions that you fill at an out-of-network pharmacy if a network pharmacy isn’t available.

At a non-network pharmacy, you will have to pay the full cost (instead of just your copay) of the prescription. Save your receipt, and call Customer Service to ask for a Prescription Claim Form. Mail the completed form with your receipt and we’ll reimburse you for the cost of the prescription.

1Our service area is the state of Connecticut, except for Fairfield and Middlesex Counties.

2Reimbursement applies to emergency and urgent care situations only. You may be responsible for any copays that apply.

The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact the plan. Limitations, copays and restrictions may apply. Benefits may change on January 1 of each year.