As summer approaches, many are planning international adventures. If you’re on Medicare, it’s important to know what’s covered—and what’s not—when you leave the U.S. Whether you have a clean bill of health or manage a chronic condition, understanding your options can help ensure peace of mind while you explore the world.
Medicare Coverage: Domestic vs. International
Within the U.S.:
Original Medicare (Parts A & B) provides nationwide coverage. Medicare Advantage and Medigap plans may offer additional support depending on your plan.
Outside the U.S.:
Original Medicare generally does not provide coverage abroad. However, some Medigap plans (like C, D, G, M, and N) may offer emergency care coverage during foreign travel. These usually pay 80% of covered emergency expenses after a $250 deductible, with a lifetime limit of $50,000.
Certain Medicare Advantage plans may offer some international coverage, but this varies by provider and plan—be sure to confirm before you go.
What May Not Be Covered While Traveling
Even if you have a supplemental plan, some services and activities are typically excluded:
- Adventure Sports: Skydiving, scuba diving, parasailing, or mountaineering often require specialized coverage.
- Chronic Conditions: Services related to unstable pre-existing conditions may not be covered unless specific provisions are met.
- Routine Care: Regular check-ups or non-emergency procedures while traveling are not covered under most plans.
Travel Medical Insurance: A Smart Solution
If Medicare or your Advantage/Medigap plan falls short abroad, temporary travel medical insurance can fill the gap.
Travel insurance typically includes:
- Emergency medical treatment
- Medical evacuation (to a capable facility or home country)
- 24/7 emergency response services
- Coverage for lost prescriptions or documents
Plans are often affordable, easy to activate in minutes, and provide peace of mind while you’re away.
Pre-Existing Conditions: What You Should Know
Traveling with a chronic condition requires special attention. A pre-existing condition is defined as any illness or condition that occurred within 180 days prior to your trip. Many travel health insurance policies offer coverage for these conditions, especially if the condition has been stable in the months leading up to your trip.
Here’s how coverage generally works:
- Stability is key: Coverage is typically available if the condition was stable during the 180-day period before travel.
- No coverage for recent changes: If your medication was changed, symptoms worsened, or you sought new treatment during that time, the condition may be excluded.
- Waivers may apply: Some plans offer waivers if you purchase insurance shortly after booking your trip (typically 14-21 days).
- No medical underwriting required: Many plans don’t require medical exams or health questionnaires, making them ideal for last-minute trips.
Other benefits can include:
- 24/7 emergency hotlines
- Help with language translation or lost travel documents
- Local provider recommendations
Smart Traveler Tips for Managing Health Abroad!
Before you travel:
- Consult with your doctor about your trip, medications, and potential challenges.
- Pack extra medication, and always carry it in original containers in your carry-on.
- Research your destination’s medical infrastructure.
- Have your emergency contact and insurer hotline accessible at all times.
Traveling abroad is an adventure—don’t let medical surprises or medical coverage gaps hold you back. Connect with our office at 530-303-3366 or visit beuttelinsure.com and let’s talk about travel medical insurance options that give you confidence and protection while you enjoy your journey.
