When it’s time to enroll in Medicare, there are many things to consider. Your future travel plans should be one of them. If you’re considering international travel during the next year, it can impact your Medicare decisions.
Medicare itself doesn’t cover healthcare during international travel. However, some Medicare Advantage (Part C) plans may cover certain emergencies if they occur outside the United States. In most cases, though, you should consider supplemental travel insurance.
If you plan to travel out of the country, you can explore your options to help fill any gaps in your coverage.
Medicare Advantage coverage overseas
Medicare Advantage (Part C) is another way to get your Medicare coverage. Depending on the plan you choose, your plan may include vision, hearing, dental, prescription drug coverage and worldwide coverage.
To buy a Medicare Advantage plan, you must already be enrolled in Medicare parts A and B. Coverage through a Medicare Advantage plan is offered through a private insurance plan.
Medicare Advantage plans may lower your out-of-pocket costs or provide additional coverage, such as when traveling.
There are no rules on whether Medicare Advantage will cover a certain percentage of foreign hospital bills. Therefore, it’s important to check with your insurance carrier before you travel to find out how much, if any, your plan covers international healthcare emergencies.
If you travel, Medicare Advantage (Part C) plans may have advantages over Traditional Medicare. However, since these are private insurance plans, Medicare Advantage doesn’t automatically cover costs during international travel.
It’s important to review your policy before you travel and consider supplemental coverage with either Medigap or traveler’s insurance if you’re concerned about the potential cost of medical care while you’re out of the country.
If you need assistance in evaluating your current plan, please reach out to me for a free consultation as I’m here to help you navigate and find the most appropriate plan which fits your needs.
