Monday, April 11, 2016

Question: Am I covered if I go out of the United States?

Question:  Am I covered if I go out of the United States?
In general, health care you get while traveling outside the US isn’t covered by Medicare. The 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are considered part of the U.S.
Medicare Part A may pay for inpatient hospital, doctor, or ambulance services you get in a foreign country in these rare cases:
  • You’re in the U.S. when a medical emergency occurs, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.
  • You’re traveling through Canada without unreasonable delay by the most direct route between Alaska and another state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency.
  • You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.
  • In some cases, Medicare Part B may cover medically necessary health care services you get on board a ship within the territorial waters adjoining the land areas of the U.S. Medicare won’t pay for health care services you get when a ship is more than 6 hours away from a U.S. port.
Medicare drug plans don’t cover prescription drugs you buy outside the U.S. Medicare doesn’t cover dialysis you get when you travel outside the U.S. unless it’s an emergency in which you get dialysis at a hospital.
Medicare Plan F & G supplements cover 80% of certain medically necessary emergency care outside of the US after a $250 deductible. Care must begin during the first 60 days of your trip. The lifetime limit is $50,000.
Some Medicare Advantage plans offer Worldwide Emergency Care.
If you want to be covered when traveling out of the country, I highly recommend buying a travel policy. You can get an IMG policy here: AIS IMG

Sonia Ashford

817-689-3536



No comments:

Post a Comment