If you are planning overseas trip, it is basically important to know about the insurance options while you travel so that you really stay safe, relaxed, and prepared as you enjoy the vacation. The thumb rule is that the healthcare is not covered while abroad by the Original Medicare, but the Medicare supplement plans insurance covers the travel insurance.
When Medicare Works Outside The U. S.?
In case you are traveling to Puerto Rico, Guam, the U.S. Virgin islands, American Samoa, and the Northern Mariana Islands, your Medicare insurance treatment will get cover, beyond these places, healthcare is not covered. There are instances that the Medicare supplement plans work outside the U. S.
- You are in the U.S. and a medical emergency occurs, but the hospital offering treatment is outside the U.S.
- You are traveling using the fastest route from Alaska to Canada when a medical emergency occurs, and now a Canadian hospital is the nearest.
- You live in the U.S., while the nearest hospital is in a foreign country (for non-emergency situations as well).
These situations for most Americans are rare and are applicable to citizens living in the northern states on the Canadian border. As a thumb rule, in case you are outside the United States, your Medicare will not cover the treatment.
What Happens in case of Emergency Overseas?
In case there is an emergency overseas, paying emergency room treatment cost is essential. If you have the Medicare coverage for overseas, you have to cover the copay as 20% as standard.
Before leaving for the United States, make sure to research for the average costs of healthcare uninsured within the country as you travel and plan accordingly if anything goes wrong.
Some countries do charge more to the foreigners than the citizens and also restrict the hospitals they can visit, thus escalating the stressful situation. If travelers have access to hospitals as unrestricted visiting also, some must be avoided. Prior to leaving, list the hospitals in high rate and also understand the English speaking doctors. Do this before leaving, so that your hotel concierge or guide offers help.
Travel Insurance Options
Standard Medicare Supplement plans Insurance offers foreign travel healthcare emergency coverage outside the U.S. There is a lifetime limit and you can ascertain you know to file a claim. Generally, Medicare providers ask for itemized treatments list before approving a claim, and this may be hard to receive once you leave the hospital.