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You just retired and one of the things on your bucket list is to travel. While we hope you have a great trip and no one gets sick, sometimes people do get sick or injured while abroad. If that happens, how would you pay for it? That is the question we want to talk about.

Your Medicare plan is great for coverage within the United States, but it may not help you much when you are traveling in another country. Medicare will only cover costs if you are living in the United States and therefore it won’t help you if you’re taken to a foreign hospital. However, Medicare often covers medical emergencies if you are on a cruise ship that’s no more than six hours away from a United States port.

As you can see, Medicare is limited after you leave the United States, making supplemental coverage an important consideration. It's called Medigap coverage.

There are several Medigap plans, so when you talk with your independent insurance agent, make sure you talk about all of the plans. Plans C, D, F, G, M, and N provide coverage outside the United States at an 80 percent rate.

That means that those plans can pay up to 80 percent of medical costs. But, there are limits to what they cover.

  • Those plans cover medically necessary emergency care after you have met a $250 deductible.
  • These plans cover medically necessary emergency care if it begins during the first 60 days of your trip and it isn't covered by Medicare.
  • There may also be a lifetime coverage limit.

When you think about it, 80 percent coverage of medical expenses would make the trip more enjoyable since you wouldn't be worrying about using your savings to pay for medical emergencies. So, before you leave on your trip, talk with your agent about supplemental Medicare coverage. 

Protect your health wherever you are. Call Mitchell & Mitchell Insurance Agency at (888) 512-8878 for more information on Los Angeles Medicare supplements.

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