With the large number of college students and others traveling away from home this coming week for spring break vacations, it pays to take a minute to think about the protection you have in the event of an accident or illness. Tony Novak, who operates OnlineAdviser service at MedSave.com, offers these suggestions:U.S. health insurance policies typically cover only U.S. residents while in the U.S. Non-U.S. health insurance policies cover only non-U.S. residents while outside the U.S. International travelers usually need supplemental insurance to bridge the gap during periods away from home.

HMO, realize that your benefits out of your local area are limited and you may wind up paying most of the cost of a claim yourself. The out-of-network deductible and co-insurance typically leave your financial exposure greater than most people are willing or able to pay. The co-insurance for an out-of-network claim may be as much as 40% of the bill. In the event of a catastrophic claim, you may wish to be transported home as quickly as possible to minimize your out-of-pocket costs.

PPO discount plan it is possible to print out a lost of the plan’s participating discount providers at your travel destination in the event you need medical care. Just use the “find a provider” link at www.ehealthdiscountplan.com and enter the zip code of your U.S. destination to find a list of participating providers for this very large national network. Most of these networks operate throughout the U.S., but not overseas. If you travel outside the U.S., realize that your U.

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