Health Insurance

Can I Use My Health Insurance While Traveling?

Mira Research Team
Mira Research Team8 Jul 2023
Reviewed and Fact Checked ✔️


  1. Different types of health insurance, such as HMOs, PPOs, POS, and EPOs, have varying levels of healthcare access, particularly during travel. Understanding your insurance policy's provisions, especially concerning emergencies and out-of-network costs, is crucial for managing healthcare while traveling.
  2. Preparation for travel should include notifying your insurance provider, establishing a healthcare proxy, organizing prescription medications, and keeping important health information accessible. Additionally, consider travel insurance for financial protection against unexpected health emergencies during your journey.
  3. The Affordable Care Act mandates that insurers cover emergency room visits, regardless of network affiliation. However, out-of-network services can significantly increase out-of-pocket costs. The claiming process can be complicated, hence understanding this procedure before traveling can help manage unexpected costs efficiently.
  4. While traveling, ensure you have ample insurance coverage. If traveling internationally or for an extended period domestically, consider additional health coverage options, such as Mira, or purchase travel insurance that covers emergency medical needs and potential trip disruptions.

If you are traveling in the U.S. for an extended period of time outside of your home state, Mira could be a great way to get affordable urgent care, virtual care, and lab tests in over 45 states. 

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Mira Research Team

The Mira Research team conducts original data and medical research on the most applicable topics of today and translates them into easy-to-understand articles to educate the public. Each of our articles is carefully reviewed and curated with interviews and opinions from medical experts, public health officials, and experienced administrators. The team has educational backgrounds from New York University, the University of Virginia, more.

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