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If you’re a Medicare beneficiary and like to travel, it’s a good idea to make sure you have health coverage in case of an emergency. While Original Medicare coverage may not be available outside the United States, some Medicare Supplement (Medigap) plans may include this coverage.
For the most part, Original Medicare, Part A and Part B, doesn’t cover medical services or items you get outside the country. Medicare considers the United States to include the District of Columbia, Puerto Rico, the Northern Mariana Islands, Guam, American Samoa, and the U.S. Virgin Islands.
There are some exceptions:
Medicare Part D (prescription drug coverage) doesn’t cover medications purchased outside the U.S.
Medicare Supplement (Medigap) insurance is optional insurance you can get from a private insurance company. Medigap plans pay some of your Original Medicare (Part A and Part B) costs, such as coinsurance and copayments.
In 47 states, there are 10 standardized Medigap plans, each one named with a letter (such as Plan M). Every plan includes the same benefits as other plans of the same name, so that a Medigap Plan M offers the same coverage no matter where you buy it. Massachusetts, Minnesota, and Wisconsin have their own standardized Medigap policies.
Some Medigap plans cover emergency medical services you receive outside the United States. Medigap Plans C, D, F, G, M, and N pay 80% of your costs for certain emergency care in a foreign country if your situation meets all of the following conditions:
If you still have a Medigap Plan E, H, I, or J, these plans also cover overseas medical emergencies, but these plans are no longer sold.
A Medigap plan with emergency medical coverage outside the U.S. has a lifetime maximum coverage limit of $50,000.
It’s a good idea to contact your Medigap insurance company to ask for details about travel coverage. You may also decide to purchase separate travel insurance.
Would you like to take a look at some of the Medicare plans available in your area? Just enter your zip code in the box on this page to display a list and start comparing plans.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.