Doctor appointments are very much like dealing with your prescription drug needs, it may depend on your insurance policy.  Some policies restrict you to a geographic area which would mean your doctor “appointments” would need to be scheduled while you’re in your “home area.” Of course, if you are having an emergency, you should call an ambulance or respond to the closest hospital for immediate treatment.

Most policies that restrict you to a “home area” will cover a real emergency situation even if you’re outside your home coverage area.  Check your policy to determine which “emergencies” are covered outside your coverage area.

Usually, things like a severe soar throat, flu, and other such medical problems are not covered.  If you are in serious trouble, you need to go to the hospital and worry about the coverage later, but it’s important to know what is covered so you don’t experience a real surprise when the hospital bill comes to you.