What advice should you give Ms. Ramos about filling prescriptions while traveling?

When advising Ms. Ramos about filling prescriptions while traveling, it is important to consider how insurance plans typically operate regarding coverage and costs during travel. This option correctly reflects that while she may still be able to fill her prescriptions, doing so outside of her usual network could lead to higher out-of-pocket expenses.

Many health insurance plans have specific networks of pharmacies where members can fill their prescriptions at the lowest costs. If Ms. Ramos attempts to fill her prescriptions at a pharmacy that is not part of her plan's network, she may face higher copayments or deductibles. It's crucial for her to understand that while she can obtain her medications while traveling, the costs she incurs could be much higher than normal if she does not use in-network pharmacies or a mail order service provided by her plan.

Awareness of potential higher costs empowers Ms. Ramos to make informed decisions while traveling, as she can seek out in-network pharmacies if available or budget for the additional expenses if necessary. By focusing on the potential implications and costs associated with filling prescriptions away from home, this choice provides her with constructive and practical advice.