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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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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.