If you are planning a trip outside the United States, it’s important to know how Medicare works when you are overseas. Many people are surprised to learn that Original Medicare (Parts A & B) does not usually cover health care abroad. There are only a few exceptions, and you should prepare before you travel.
When Medicare Covers You Abroad
Medicare may cover care outside the U.S. in very limited situations:
- If you’re in the U.S., but a foreign hospital is closer in an emergency.
- If you’re traveling through Canada between Alaska and another state, and need care at the nearest Canadian hospital.
- If you live in the U.S., but a foreign hospital is closer to your home than a U.S. hospital.
Outside of these special cases, you’ll need to pay out of pocket.
What About Prescriptions and Cruises?
Prescriptions: Medicare Part D does not cover drugs bought outside the U.S. However, it may cover certain vaccines before your trip.
Cruise ships: Medicare only covers care on a cruise if the ship is within six hours of a U.S. port. Beyond that, you’re not covered.
Options for More Coverage
To avoid unexpected costs, you may want extra protection:
Medigap (Medicare Supplement) Plans: Some Medigap policies include foreign travel emergency coverage. They often pay 80% of emergency medical bills after a small deductible, with a lifetime limit of about $50,000.
Medicare Advantage Plans: Some of these plans include coverage for emergencies abroad, but benefits vary, so check with your insurer.
Smart Tips Before You Travel
- Call 1-800-MEDICARE to confirm your coverage.
- Ask for your plan with written details about travel coverage.
- Carry a list of medications and medical history.
- Consider buying travel health insurance that includes emergency evacuation.
The U.S. State Department also recommends having travel insurance, since Medicare’s overseas coverage is very limited.
Final Word
Medicare won’t protect you in most cases when you’re abroad. To travel with peace of mind, check your plan, look into Medigap or Medicare Advantage, and consider travel insurance. This way, you can enjoy your trip without worrying about unexpected medical bills.