Funny you guys should mention the travel insurance aspect of it...I just spoke to a good friend of mine who also happens to be a travel agent, she started asking q's about my insurance too. I have since phoned my husband to get him to check into our coverage through his work...and if I needed anything while we are away I'd be covered. Funny I don't trust that, the word pre-existing keeps popping into my mind! I do believe if i did have a medical bill that it would for sure find me if i did try to avoid it not a bad thought...I think my conscience is too strong for that one though. In the meantime, I dug out this stuff my old GI gave me before our wedding in May, called Dicetal...it's supposed to be more for IBS, but he thought it might help me through my wedding if I had a tough time with pains etc...so I took one this AM and another one just a min. ago hoping that this will help me out until I get home. Still overheating doing little bits of things around the house...maybe a low grade fever? I'm trying really hard to ignore this!!
Thanks for your thoughts!
I can't answer your question directly, Fitzy, but I am assuming it depends on the individual policy and how it is written, so there would be no standard answer. I guess they can get away with it is because that's the way it is until they are regulated otherwise. I have a local "MaineHealth" HMO. If I go to a hospital not included in their network, my coverage is limited. (in other words, I could go to one of the listed facilities, but choose to go one not listed in this area) However if I am "out of area" all I need to do is call my pcp first if able or if an emergency, go to an ER wherever I am and then I have a certain time period that I have to call. I think in that case I would have the same coverage as I would have had at home if I had gone to a network facility. Otherwise, that would be poor insurance coverage. I have never tested this but the last insurance I had through my husband's employer was a PPO. I was going to California and had just had a second round of treatment for a UTI. I was concerned that I would run into problems out there I found out that all I needed to do was call my PCP who would give me the ok to go.
This doesn't answer your question directly but like I said, I think it depends on what insurance you have. I have no idea about different countries other than what someone said - that you sometimes have to put it on your charge and you are reimbursed. I did call the PPO about this once and she said it should not be a problem "and please try to get the bill written in English"
One time I did get a special deal with traveler's insurance and if I purchased it within a certain period of time it overlooked pre-existing conditions. Fortunately I didn't have to use it.
Thanks everyone for your thoughts! I did go to emerg this afternoon just to make sure someone checked me out before we leave. All my bloodwork is good, they also did x-rays, and those were good too! The oncall GI gave me a prescription for Cortifoam...yippee enemas and told me to also take my supp's 2x a day, and still keep taking my salofalk tablets 8/day...basically wait until I see this new GI on the 16th, and that I'd probably need to be scoped. So I'm glad that I went, we were in and out in 5 hrs, and now I know that nothing major is going on inside and that puts my mind at ease. Now I just need to out in a good act for my husband and friends I really want to wake up feeling better tomorrow...cross your fingers for me! I want to really experience Vegas!
I understand where you are coming from,
YUou do not want th ecrohns to dictate everything in your life, and face it, we all know that as vacation approches, we allget that anxiety (good anxiety) but it causes our crohns to act up. So most of us feel this same trepidation before going away.
Take care I hope you go and have a great time (tell your crohns to f 'off for a few days -easier said than done)