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What Medicare Covers When You Travel in the US and Abroad

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Medical emergencies can happen at any time. Knowing what Medicare coverage you have, anywhere in the world, can help you avoid a massive bill.
Medicare coverage for travel within the U.S. and abroad varies depending on the specific plan. Within the United States, Original Medicare (Parts A and B) covers emergency and urgent care, but it's important to use healthcare providers that accept Medicare assignment to avoid higher out-of-pocket costs. For those enrolled in Medicare Advantage plans, coverage for out-of-network care may be limited, so it's crucial to check the plan's network and rules before traveling. When traveling abroad, Original Medicare generally does not cover care, except in limited circumstances such as on a cruise ship within six hours of a U.S. port or in specific foreign hospitals close to the U.S. border. However, some Medicare Supplement plans (like Plans C, D, F, G, M, and N) and certain Medicare Advantage plans may offer coverage for foreign travel emergencies, though with limitations such as a lifetime limit on coverage and higher out-of-pocket costs. It's advisable to purchase additional travel insurance for comprehensive coverage when traveling internationally.

Read the Full Kiplinger Article at:
[ https://www.kiplinger.com/retirement/medicare/what-medicare-covers-when-you-travel-in-the-us-and-abroad ]