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Jim

Tina

Tom

Michelle

Jim, Tina, Tom or Michelle ColoradoHealth.com 8751 E. Hampden Ave, #A-1, Denver, C0 80231 303-782-0123, 303-782-0804(Fax), email=Michelle@Coloradohealth.com

Most policies will cover you for life or limb threatening medical emergencies, but it's best to know the specifics of your policies as they can vary. Here’s a few general items that can help: Typically, HMOs will cover emergencies anywhere in the U.S. and sometimes anywhere in the world. HMOs typically do not cover non-emergency services outside of their service area.

PPOs are generally a better choice if you travel a lot as they generally have wider coverage area and typically have out-of-network coverage. Many (but not all policies) cover emergencies anywhere in the world. If you run into an emergency in a distant spot you may be required to pay the bill and get reimbursed.

HMOs will typically cover an emergency with a simple copay, but you generally will have to return to a local HMO doctor to get follow up care. PPOs will either have a copay or a deductible and cost sharing for emergencies. Some PPOs can be quite expensive for emergency care as their coverage for out-of-network facilities may be limited. Travel insurance may be a good option if you plan on leaving the country. It's best to talk this over with us as we can point you in the right direction.