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Medicare Doesn't Cover You Outside The USA
The Original Medicare Plan does not cover health care when you travel outside the United States, except for some emergency situations in Mexico and Canada. You can click here to get side-by-side travel insurance plan comparisons.
In rare cases, Medicare can pay for inpatient hospital services that you get in Canada or Mexico. Medicare can pay only if:
You are in the United States when a medical emergency occurs and the Canadian or Mexican hospital is closer than the nearest U.S. hospital that can treat the emergency. You are 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 United States and the Canadian or Mexican hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.
Here's why you want to know how your Medigap or Supplement plan pays:
If your Medigap or Supplement plan has just the $50,000 medical benefit lifetime limit, I (Steve) suggest you get a trip cancellation travel insurance plan that has Primary Medical coverage. That way if you have a medical claim you are not using part of your lifetime limit. But, if your Medigap or Medicare Supplement gives you more than the $50,000 lifetime limit, I (Steve) suggest you get a trip cancellation travel insurance plan that has Secondary Medical coverage.
Click here to find out what to ask your Medicare Supplement / Medigap Provider about your plan's coverage outside the USA
Important Information About
Medigap Policies C, D, E, F, G, H, I and J
Your Medigap or Medicare Supplement plan may provide worldwide coverage benefits for health care needs when you travel outside the United States. Policies C, D, E, F, G, H, I and J provide Foreign Travel Emergency health care coverage when you travel outside the United States. Under these plans, Medigap policies pay for 80% of the cost of emergency care during the first 60 days of each trip after you pay the $250 deductible. Foreign Travel Emergency coverage with Medigap policies have a lifetime limit of $50,000.
You should check with your Medicare Supplement plan prior to traveling outside of the United States regarding your worldwide coverage benefits. Your Medicare Supplement plan will either tell you:
"We pay whatever Medicare won't pay, subject to deductibles & copays." or "If Medicare's not obligated to pay, we won't pay either."
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Here's a link to the Official US Gov't Medicare
website's Questions and Answers
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Can't find what you need? Try TripInsuranceStore.com's Search Page:
PS - Even though TripInsuranceStore.com is the world's most informative travel insurance website, you are still responsible to know what's in your policy's Certificate of Coverage. Click here to get each plan's Certificate of Coverage.
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