Our new insurance

[chrisinhouston]

Originally Posted by xoxoxoBruce

Chris, what about when your wife is on the road, does your insurance or the company cover that?

Good one. In the USA seeing a Dr. or going to a clinic or hospital generally is covered although we sometimes fall into that stupid gap where the ER is covered but the doctor working there whom you had no choice over is not on the insurance. Thankfully some states are changing that. A couple of years ago she slipped getting into the hotel bathtub and broke her wrist. She went first to the ER and then on the the jobsite where she was doing training. People were so surprised to see her in a cast. In the end I think Insurance covered it all.

International is a bit different. If wed do a personal trip I sometimes get coverage in case of an emergency, especially in more remote or places where care could be questionable. For work her company has a policy that included emergency extraction so they would pay for initial care in that country, getting her flown home quickly and then the insurance kicks in here.

In all the years we have been overseas she has only had 2 health issues. Once in England she was seen by a doctor for what turned out to be a kidney stone, just a basic checkup and advice for the flight home, not much else he could do. And in Australia she saw a Dr for a UTI. It was a town clinic and the DR. we saw did everything from paperwork to getting the vitals and running the Urine strip kit test. No nurse anywhere. The charge for non Australians was only $20 and the prescription was $5 and they apologized for having to charge us so much.