If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in locating appropriate medical services and informing family or friends. If necessary, a consular officer can also assist in the transfer of funds from the United States. However, payment of hospital and other expenses is the responsibility of the traveler. Before going abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form. Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition. THE SOCIAL SECURITY MEDICARE PROGRAM DOES NOT PROVIDE COVERAGE FOR HOSPITAL OR MEDICAL COSTS OUTSIDE THE U.S.A. Senior citizens may wish to contact the American Association of Retired Persons for information about foreign medical care coverage with Medicare supplement plans. To facilitate identification in case of an accident, complete the information page on the inside of your passport providing the name, address and telephone number of someone to be contacted in an emergency. A traveler going abroad with any preexisting medical problems should carry a letter from the attending physician, describing the medical condition and any prescription medications, including the generic name of prescribed drugs. Any medications being carried overseas should be left in their original containers and be clearly labeled. Travelers should check with the foreign embassy of the country they are visiting to make sure any required medications are not considered to be illegal narcotics.

A listing of addresses and telephone numbers of U.S. embassies and consulates abroad is contained in Key Officers of Foreign Service Posts . This publication may be obtained through the Superintendent of Documents, U.S. Government Printing Office, Washington, DC 20402. Also available from the Government Printing Office is Health Information for International Travel by the Centers for Disease Control and Prevention (CDC). This contains a global rundown of disease and immunization advice and other health guidance, including risks in particular countries. The CDC maintains the international travelers hotline at 1-877-FYI-TRIP (1-877-394-8747), an automated faxback service at 1-888-CDC-FAXX (1-888-232-3299) and a home page on the Internet at http://www.cdc.gov . For information about outbreaks of infectious diseases abroad, consult the World Health Organization's (WHO) web site at http://www.who.int/en. The WHO also provides travel health information at http://www.who.int/ith. For detailed information on physicians abroad, the authoritative reference is The Official ABMS Directory of Board Certified Medical Specialists published for the American Board of Medical Specialists and its certifying member boards. This publication should be available in your local library. U.S. embassies and consulates abroad maintain lists of hospitals and physicians. Major credit card companies also can provide the names of local doctors and hospitals abroad. About the Author
Herb Williams has been in the Financial Services Profession for the last 38 years. He lived in the middle east for 10 years where he represented Swiss and French Banks and Insurance Companies.Herb Williams has been in the Financial Services Profession for the last 38 years.He and his wife Marsha run a full financial services Allstate Agency in Chicago.http://www.auto-home-insure.com/go.php?travel&ezinemed

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