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Do I need travel insurance
By Fern Kuhn, RN

Do I need travel insurance?

In the United States health insurance, unlike many other countries, you can find dozens of Blue Cross Blue Shield plans. Hundreds of regular commercial insurance and so many more health insurance plans like managed-care plans�HMOs, PPOs and PPG's. For some travelers, they may have Medicaid, and for those over 65 years have Medicare.

All of these different types of plans have many various benefits, costs, deductibles, exclusions and restrictions.

So think before you travel and check your existing health policy to see what it pays for. It may reimburse you for up to 100% of the cost of emergency medical care when you're out of the country, of course, exclu...
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