Does Medicare cover international travel?
Medicare typically does not provide coverage for healthcare services received outside the United States. Original Medicare (Part A and Part B) is primarily designed to cover healthcare expenses incurred within the United States and its territories. However, there are a few exceptions and considerations regarding international travel and Medicare:
Limited Coverage in Some Situations: Original Medicare may provide coverage for healthcare services obtained outside the United States in very limited circumstances. For example, Medicare may cover emergency care in a foreign country if it is deemed a medical emergency, and the nearest U.S. hospital is too far away to reach in a timely manner. Medicare may also cover certain services, such as dialysis, that are necessary to treat an existing medical condition while you are temporarily outside the United States.
Medigap Plans: Some Medigap (Medicare Supplement) plans offer coverage for foreign travel emergency care, which can help pay for emergency medical services received abroad. You would need to check with your specific Medigap plan to see if it includes this coverage.
Medicare Advantage Plans: Some Medicare Advantage plans (Part C) may offer more extensive coverage for foreign travel, including emergency care. The availability and terms of this coverage can vary by plan, so you should check with your specific Medicare Advantage plan for details.
Travel Insurance: If you plan to travel internationally and want coverage for healthcare services while abroad, you may want to consider purchasing additional travel insurance with international coverage. This type of insurance can provide you with more comprehensive protection during your travels.
It’s important to check the specifics of your Medicare plan and any supplemental insurance you have, as well as consult with your insurance provider to understand what, if any, international travel coverage is available. Keep in mind that international travel and healthcare coverage under Medicare can be complex, and it’s wise to plan ahead and make informed decisions to ensure you have the appropriate coverage when traveling outside the United States.
More information about Medicare coverage outside the US can be found at https://www.medicare.gov/Pubs/pdf/11037-Medicare-Coverage-Outside-United-States.pdf
