Adventure Awaits—But Is Medicare Coming With You?

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.

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.

Even if you have a supplemental plan, some services and activities are typically excluded:

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:

Other benefits can include:

Before you travel:

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.

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