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Does Medicare Pay for Medical Services Received Aboard a Cruise Ship?

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Medicare may pay for medically necessary services and supplies administered aboard a cruise ship if the ship was within United States waters when you got this care, and the doctor was authorized to provide this care to you. The services and supplies must be provided in a United States port or within six hours of departure or arrival at a U.S. port.

If you received care within U.S. waters, the doctor should submit a claim to Medicare. If you received care while in international waters, Medicare doesn’t generally cover it.

Some Medicare Supplement (Medigap) policies may cover emergency medical care outside the U.S. Medigap plans are available from private insurance companies to cover some of your Original Medicare (Part A and Part B) out-of-pocket costs.

You may also want to ask your travel agent about travel insurance with limited medical coverage.

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