Medicare Insurance Outside the US

What you need to know about Medicare Insurance outside the US

Are looking to retire overseas?  Plan on extensive traveling after 65?  Did you  know that your Medicare Insurance will not cover your healthcare costs outside the US?

The Exceptions to the Rule

If you happen to be traveling in the US, but the closed hospital is in the Canada or Mexico, you may qualify for some Medicare coverage. Another exception is if you are on a cruise and become ill or other health emergency. Medicare will cover you if you seek assistance from the onboard doctor and the ship is no more than six hours from a US port.

What are Your Medicare Insurance Options?

If traveling internationally is in your retirement plans, you should consider purchasing a Medigap plan, specifically Medicare C through J.  You may want also to consider buying a travel insurance plan to cover you while you are in foreign countries.

Check out this video about Medicare and traveling abroad.

What is a Medigap Plan?

Medicare supplemental plans are designed to fill in the gaps left by original Medicare.  These gaps could have you searching your pocket for costs like deductibles, coinsurance, and copayments.

Medicare supplement plans or Medigap policies are purchased  through private insurance companies. Typically,  these plans will  help you with the leftovers after your Medicare benefits are applied. It is essential to understand that a Medicare Supplement Plan is only available in conjunction with Original Medicare Parts A & B.

What is Travel Insurance?

Created for travelers leaving their home country that are worried about their own coverage overseas, it provides coverage if you are traveling abroad and have an accident or become ill. Often, emergency dental treatment is included ( if your need is the result of an accident ).  Also emergency transportation such as an ambulance or airlift services might be covered.

Emergency medical evacuations can transport you out of a remote area and moved to a medical facility where you can get the proper care.  If you should get killed or die on your trip, there is coverage that will make sure your remains are taken care of appropriately.

Navigating Medicare Coverages

Understanding Medicare is no easy task. That’s why I am here with you every step of the way. With over 30 years of experience, I may not have seen it all, but I have seen quite a bit.  So, when you work directly with me, you are getting a trusted advisor and some you can call throughout the year for service needs or just simply questions. . Someone who can discuss all of your coverage concerns and get you on the right path.  Retirement should be an enjoyable time, not a time worrying about your healthcare coverages. Give me a call today 877-549-1212, let’s start a conversation. Let’s check exactly what your personal Medicare Insurance Plan covers outside the US and if you need to be concerned.