Does Medicare Cover You Outside Of The United States?
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. Go here to learn about your options for getting coverage.
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.
Your Medicare Supplement plan may provide worldwide coverage benefits for health care needs when you travel outside the United States. You should check with your Medicare Supplement plan prior to traveling outside of the United States regarding your worldwide coverage benefits. Sometimes the Medicare Supplement plan says "We pay whatever Medicare won't pay, subject to deductibles & copays." But, sometimes the Medicare Supplement plan says "If Medicare's not obligated to pay, we won't pay either."
Medigap 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. Check with your plan or insurance regarding your coverage before you travel outside the country.
Here's a link to Medicare's Questions and Answers
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