Retiree Health Care Coverage Overseas
According to the AARP, an estimated 39% of Americans over the age of 50 expect to travel internationally in 2023.1
Overseas travel may be 一个 of the more popular aspirations in retirement, but it does beg an important question: Will your health insurance coverage travel with you?
医疗保险 Coverage Outside the U.S. 是有限的
In most cases, 医疗保险 will not cover costs for health care or supplies obtained outside the U.S. (including its territories), except in three situations:2
- You are in the U.S. when a medical emergency arises and a foreign hospital is closer than a U.S. 一个.
- You are traveling through Canada on a direct route between Alaska and another state when an emergency arises.
- You live in the U.S., and a foreign hospital is closer to your home than a U.S. 一个, regardless of whether it's an emergency.
Medigap Coverage May Travel with You
Medigap is supplemental insurance sold by private insurance companies, which is designed to fill in the "gaps" of 医疗保险 coverage. If you own a Medigap policy, plans C through J, as well as M and N, offer travel emergency coverage. It has a $250 deductible with a $50,000 lifetime maximum. It will pay for 80% of emergency care and applies only during the first 60 days of the trip.2
没有补充性医疗保险?
Travelers who do not have Medigap coverage, but have health insurance coverage through private plans, such as 医疗保险 Advantage, should check their plan to determine coverage while traveling.
If you do not have coverage when traveling overseas, policies may be purchased that will cover medical expenses incurred outside the U.S., including evacuations.
1. AARP.org, March 2023
2. 医疗保险.政府,2023
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