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Medicare is a health insurance program offered by the US government to people aged 65 and above, people with disabilities, and people suffering from end-stage renal diseases. The program covers several medical services, including hospital stays, doctor visits, and prescription drugs. But what happens when you travel abroad? Does Medicare cover medical expenses incurred outside the United States?
Original Medicare Coverage Outside the US
Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance), does not cover medical costs incurred outside the US. This means that if you require medical attention outside the country, you will need to pay for the expenses out of pocket. The only exception is if you are in the US territory or traveling through Canada to Alaska.
Medicare Advantage Coverage Outside the US
Medicare Advantage plans, also known as Part C or Medicare private health plans, are provided by private insurance companies that contract with Medicare. These plans offer the same coverage as Original Medicare (Part A and Part B) and may have additional benefits, such as prescription drugs, dental and vision care, and wellness programs. Some Medicare Advantage plans may also cover medical expenses incurred outside the US, but coverage varies by plan. It is essential to review your plan’s coverage before traveling outside the country.
Medigap Coverage Outside the US
Medigap, also known as Medicare Supplement plans, is supplemental insurance provided by private insurance companies to fill the gaps in Original Medicare coverage. Medigap plans do not cover medical expenses incurred outside the US, just like Original Medicare. However, some Medigap plans may offer limited coverage if you require emergency medical care while outside the US.
What Does Medicare Cover Outside the US in Emergencies?
If you are a US citizen traveling outside the country and require emergency medical care, Medicare may cover the expenses incurred to stabilize your condition. In this case, the medical attention should have been provided immediately after the emergency, and it should have been impossible for you to be transported safely to the US. However, Medicare will not pay for your medical evacuation or other non-emergency care received outside the US. It is essential to note that you may need to pay for the medical expenses out of pocket first and then submit the claim for reimbursement to Medicare.
Conclusion
In conclusion, Medicare does not cover medical expenses incurred outside the US, except for emergency medical care under certain conditions. To ensure you have coverage while traveling abroad, consider enrolling in a Medicare Advantage plan that offers coverage for medical expenses incurred outside the US or purchasing travel medical insurance. Always review your plan’s coverage and consult with your doctor before traveling outside the country.
| Medicare Coverage Outside the US | Original Medicare | Medicare Advantage | Medigap |
|---|---|---|---|
| Does it cover medical expenses incurred outside the US? | No | Some plans offer coverage, but it varies by plan | No, but some plans offer limited emergency coverage |
| Does it cover emergency medical care received outside the US? | Yes, under certain conditions | Some plans offer coverage, but it varies by plan | No, but some plans offer limited emergency coverage |
Frequently Asked Questions
Can I still use my Medicare benefits if I live outside the US?
No. Medicare beneficiaries must reside in the US or its territories to receive Medicare benefits.
Can Medicare Advantage plans offer coverage for medical expenses incurred outside the US?
Yes, some Medicare Advantage plans may offer coverage for emergency medical care received outside the US. However, coverage varies by plan.
Does Medicare cover medical evacuation outside the US?
No. Medicare does not cover medical evacuation, even if it is medically necessary.
What is travel medical insurance, and do I need it?
Travel medical insurance is a type of insurance that provides coverage for medical expenses incurred while traveling outside the US. If you are a Medicare beneficiary planning to travel abroad, it is recommended to purchase travel medical insurance to ensure you have coverage for any medical emergencies that may arise.