Harvard Pilgrim HMO Subscribers Vacation Coverage

Harvard Pilgrim HMO Subscribers Vacation Coverage

Thursday, July 11, 2013

If you’re a Harvard Pilgrim subscriber with an HMO and you’ll be traveling this summer, here’s what you need to know if you get injured or sick: you’re covered.  

The HMO plan provides coverage when you’re away from home for such major emergencies as a broken bone or heart attack, and the more minor ailments like an earache or the flu.  

What isn’t covered is routine care that could have been received before you left on your trip, i.e., an annual physical, cholesterol check, or chemotherapy treatment. If you decide to have such care while traveling, you will be responsible for the ensuing costs.  

If you do have a situation that requires being treated by someone outside of the network, you don’t have to call your primary care physician first but you will need to file a claim. You can contact Harvard Pilgrim if you have questions about receiving care (1-888-333-4742). 

And if you should need to be hospitalized while away from home, you or the attending emergency physician must call Harvard Pilgrim Health Care NE (1-888-333-4742) within 48 hours. (The number is also on your ID card.) 

Make sure you remember to take your prescription medications with you. You can get refills while traveling but it will be a lot less stressful if you don’t have to interrupt your plans to find a pharmacy.  

It’s a good idea to bring a small first aid kit on vacation so you can treat things like cuts and bruises, bug bites, upset stomachs and sunburns yourself. Along with Band-Aids include an antibiotic ointment, antihistamines, a thermometer, aspirin, bug spray and sunscreen.

And don’t forget the lifejackets and bike helmets if sports are on the agenda.

You can view your Harvard Pilgrim benefits and coverage information here.