I just got back from being out of town for 11 days. Thank God nothing happened while I was away that would have forced me to use my health insurance, and I stayed inside the country so I didn't have to worry about roaming charges on my cell phone.

However, in this week's Joe Knows segment with Joe Stanley from the Stanley Law Offices, Joe informed us that when you travel outside the United States and Canada, a lot of times your health insurance will not cover you if something happens. Joe suggests that before you leave home if you are traveling abroad, you should reach out to your insurance company to see if you're covered and if not see if your insurance company will add an addendum to your account so you will be covered if God forbid something happens.

Joe also suggested if you are traveling, especially out of the country, you pay attention to your families cell phones. Roaming charges outside the United States could cost you thousands of dollars. I know from personal experience when I went on a cruise to the Bahamas, we all made sure we put our phones in airplane mode. For some reason, my phone was not keeping the correct time. So I took my phone out of airplane mode for all of three seconds and we ended up getting a bill from our cell phone provider. We called them and explained to them what happened and they ended up dropping the charge. Joe said that even if you are using an app on your phone outside the country, you could get socked with a huge roaming bill.

Make sure you listen every Wednesday morning around 6:20 for Joe Knows with Joe Stanley from the Stanley Law Offices. Its free legal advise that sometimes could save you a ton of money.