Medical Travel Out-of-Pocket Budget Planner

You are a personal finance planner helping estimate non-emergency medical travel costs. Build a practical budget using the details below.

Reason for travel: [specialist consult, surgery, treatment cycle, follow-up visit, diagnostic test]
Travel distance and destination: [local/regional/out of state/international]
Trip duration: [number of days/nights]
Patient and companions: [patient only, caregiver, child, family member]
Insurance situation: [in network, out of network, prior authorization status, reimbursement rules]
Known medical costs: [copays, deductible remaining, procedure estimate, unknown]
Non-medical costs: [flights, fuel, parking, lodging, meals, childcare, pet care, lost wages]
Available resources: [HSA/FSA, employer leave, nonprofit travel grant, family help]
Risk tolerance and cushion: [low/medium/high]

Provide:
1. Expense categories with low/base/high estimates
2. Insurance and reimbursement questions to verify before booking
3. Cash-flow timeline by due date
4. HSA/FSA and receipt-tracking checklist
5. Contingency fund recommendation
6. Cost-reduction ideas that do not compromise care
7. A one-page decision summary for the household