Medigap cover and travelling abroad

Most of the Medicare supplement plans cover most of the expenses related to health. But what if the insured travels to other states or to another country? Health problems can come anytime and during emergency situations, it might not be possible to wait to be treated in the US. Fortunately, there are plans which allow using the benefits of the Medigap policies even while outside of the respective states.

Medigap policies have additional coverage for supplies outside the US and also the health care services. Medigap plans C, D, F, G, M, and N have the benefit of emergency foreign travel health care coverage while traveling outside the US. Plans E, H, I and J also provide travel health insurance even if these are no longer for sale after 1st June 2010.

Medicare supplement plan coverage outside of the US

While traveling:

The plans C, D, E, F, G, H, I, J, M or N provide the following benefits while traveling:

  • 80% of the bill after a deductible $250 for the year in case of specific necessary medical emergency outside the US
  • It covers these charges only if it happens within the first 60days of travel and also only if the Medicare policies do not take care of it.
  • It has a lifetime limit of $50,000.

Before leaving the US to make sure that the policy benefits are properly discussed with the insurance agent and also get more information regarding the Medicare supplement plans coverage given while traveling and any other benefits or restrictions that you should be aware of.  This can be done at

Original Medicare will not cover most travelers when they leave the United States. However, there are Medicare supplement plans and also a variety of private insurance plans that might help to fill in the gaps as traveling prepared can help a lot at times.

In case of settling abroad:

In case of retiring abroad, a new private health insurance in the new country or but the country’s public health plan id this could be an option. If there is a possibility of a return to the US than there still will be access to Medicare Part A if the person qualifies for premium-free Part A as a result of working n the US for more than 10 years. But for outpatient coverage, an individual will need to but Plan B of the Medicare policy and there is usually a 10 percent increase in premium each year in which the person was eligible but did not enroll.