Medicare

Traveling outside the US and you have Medicare? – be aware. You need additional health care coverage

Click on the link below for more information. If you have Medigap coverage make sure your plan has international coverage. Not all plans do.

Medicare usually doesn’t cover health care while you’re traveling outside the u.s. There are some exceptions, including some cases where Medicare Part B (Medical Insurance) may pay for services that you get on board a ship within the territorial waters adjoining the land areas of the U.S.

Medicare may pay for inpatient hospital, doctor, ambulance services, or dialysis you get in a foreign country in these rare cases:

  • You’re in the U.S. when a medical emergency occurs, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.
  • You’re traveling through Canada without unreasonable delay by the most direct route between Alaska and another state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency.
  • You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.

https://www.medicare.gov/coverage/travel?utm_campaign=20190612_gmd_res_gal&utm_content=english&utm_medium=email&utm_source=govdelivery

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1 reply »

  1. This is not just a Medicare thing. Some plans of private insurance and HMOs have restrictions or limited coverage too. It is not easy to figure out on your own. Treatment may be covered but transportation back to the United States is often not covered. The older you get, the more sense travel insurance makes.

    Also what is not covered is the spouse stuck in an expensive foreign city. Another reason to get you home for treatment as soon as possible.

    Also, if you are a snowbird and fly south for the winter, does your private insurance have in network doctors and services there? Most cover emergencies but some plans do not cover routine visits in the United States without charging the out of network rates. Are you covered if you are a hiker and need rescue in a remote park of a national park? There is separate insurance available for that too.

    These are things that I never thought of when going on a week’s vacation before I retired. But I look at it every open enrollment period now.

    Like

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