Michael M Insurance Services Blog |
Medicare usually doesn’t cover health care while you’re traveling outside the U.S. Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands are considered part of the U.S. There are some exceptions, including some cases where Medicare Part B (Medical Insurance) may pay for services that you get on board a ship within the territorial waters adjoining the land areas of the U.S.
Medicare may pay for inpatient hospital, doctor, ambulance services, or dialysis you get in a foreign country in these rare cases:
Medicare drug plans don't cover prescription drugs you buy outside the U.S. Medicare supplement insurance (Medigap) policies may cover you when you travel outside the U.S. Your costs in Original Medicare You pay 100% of the costs, in most cases. In the situations described above, you pay 20% of the Medicare-approved amount, and the Part B deductible applies. In the situations above, Medicare pays only for services covered under Original Medicare:
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