Original Medicare does not provide coverage for hospital or medical costs outside the United States. Some Medicare Advantage plans may offer coverage benefits for health care needs when you travel outside the United States. But travelers enrolled in the Original Medicare program or whose Medicare Advantage plan does not cover foreign travel — will need to purchase health insurance from another source.
Consider a Medigap policy that may offer additional coverage for health care services or supplies that you get outside the U.S.
Medigap and Foreign Travel – Medigap Plans
Standard Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage when you travel outside the U.S.
Plans E, H, I, and J are no longer for sale, but if you bought one before June 1, 2010, you may keep it. All of these plans also provide foreign travel emergency health care coverage when you travel outside the U.S.
Medigap and Foreign Travel – Benefits
If you have Medigap Plan C, D, E, F, G, H, I, J, M or N, your plan:
- Covers foreign travel emergency care during the first 60 days of any trip, and if Medicare doesn’t otherwise cover the care.
- Pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year.
- Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.
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For help finding the best Medicare or Individual Health Plan for you, please contact Liberty Medicare or call us at 877-657-7477.