Medigap Foreign Travel Emergency Coverage
Learn how Medicare Supplement plans cover foreign travel emergencies. Straight answers on which Medigap plans protect you outside the U.S.
Secure your travel coverage todayWhen you travel outside the United States, Original Medicare (Part A and Part B) generally does not cover your health care services or supplies. If you have a medical emergency in another country, you could be responsible for the entire bill. That is where a Medicare Supplement (Medigap) plan can step in to protect what you've earned.
The Medicare decision is about choosing between two paths, not two products: Traditional Medicare (A+B) or Medicare Advantage. If you choose the Traditional path, a Medigap policy fills the gaps by law. For those who travel internationally, selecting a Medigap plan with foreign travel emergency coverage is a critical part of that strategy.
Several Medigap plans offer foreign travel emergency coverage. Specifically, Plans C, D, F, G, M, and N provide this benefit. (Note: Plans C and F are only available to those eligible for Medicare before January 1, 2020.) These plans pay 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year.
There are limits to this coverage. The foreign travel emergency benefit has a lifetime limit of $50,000. It only covers emergency care that begins during the first 60 days of your trip. If you are traveling for longer than two months, or if you need routine care rather than emergency treatment, your Medigap plan will not cover those costs.
Because benefits are standardized by federal law, the foreign travel emergency coverage is exactly the same whether you buy Plan G from one carrier or another. The paper promises are identical; the only difference is the price and the company's reputation.
You shouldn't have to worry about medical bills when you're traveling abroad. We are on your side of the table, ready to help you find the right Medigap plan for your lifestyle. We'll walk you through every option and make sure you have the coverage you need before you pack your bags. Compare free, no obligation.
Frequently Asked Questions
Does Medicare cover medical emergencies in other countries?
Original Medicare generally does not cover health care services outside the U.S. However, certain Medigap plans (C, D, F, G, M, and N) cover 80% of emergency care costs during the first 60 days of a trip, up to a $50,000 lifetime limit, after a $250 deductible.
Which Medigap plans include foreign travel coverage?
Medigap Plans C, D, F, G, M, and N include foreign travel emergency coverage. Plans C and F are only available if you were eligible for Medicare before 2020.
Is there a limit to Medigap foreign travel coverage?
Yes. The coverage is limited to emergency care during the first 60 days of your trip, and there is a lifetime maximum benefit of $50,000. You must also pay a $250 annual deductible before the plan pays its 80% share.
Does Medicare Advantage cover foreign travel?
Some Medicare Advantage plans offer emergency coverage outside the U.S., but the rules, copays, and limits vary widely by plan. You must check your specific plan's Evidence of Coverage for details.
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Learn how Medicare Supplement plans cover foreign travel emergencies. Straight answers on which Medigap plans protect you outside the U.S.
Secure your travel coverage today