Can Supplemental Medicare Cover You Abroad? Insights from a Supplemental Medicare Agency in Chesterton, Indiana

Traveling overseas can be an exciting experience, but it is essential to be prepared — especially regarding your healthcare coverage. If you are a Medicare recipient who is planning on travel abroad soon, you might be wondering whether your insurance will provide coverage outside the US? Generally, Original Medicare (Parts A and B) does not cover health services in foreign countries — but this is where supplemental Medicare steps in.

Below, this Supplemental Medicare agency in Chesterton, Indiana is going to explain how this type of coverage can protect you while traveling abroad.

What Is Supplemental Medicare?

Supplemental Medicare, also called Medigap, is an enhancement to your standard Medicare coverage. It is a form of health insurance that you buy from a private company to help pay for things that original Medicare does not cover, like certain co-payments, deductibles, and other out-of-pocket costs.

The good thing about Supplemental Medicare is that it can be customized to your needs. Different plans offer different benefits, so you can choose one that fits your needs the best.

Supplemental Medicare and International Coverage

Many Medigap plans are travel friendly. They cater to international travelers by covering emergency care outside the US. These plans can cover up to 80% of emergency care costs after a $250 yearly deductible.

If you are planning to travel outside the US, your Supplemental Medicare agency in Chesterton, Indiana can help you find a plan that includes foreign travel emergency coverage. This could include any of the following:

  • Plan C
  • Plan D
  • Plan F
  • Plan G
  • Plan M
  • Plan N

Know the Coverage Limits

Though supplemental Medicare provides international coverage, it is crucial to know its limits.

The first limit you should know about is the duration of coverage. The coverage is not indefinite — it is only there for the first 60 days of your travels. There is also a lifetime limit of $50,000 for foreign travel emergencies. If your expenses exceed this limit, the policy will not cover more.

You should also keep in mind that Supplemental Medicare primarily covers emergency care. This means if you are traveling for a specific treatment or routine check-ups, this policy might not help.

Why Consider Supplemental Medicare When Traveling Overseas?

The first reason is to avoid hefty medical bills. Remember that medical expenses are not universally standardized, and emergency care in many countries can be very expensive. With Supplemental Medicare, you will not be caught by surprise with unexpected hefty medical bills.

Additionally, knowing you are covered in case of a health emergency gives you peace of mind to enjoy your trip more.

Lastly, Supplemental Medicare can get you faster access to quality healthcare facilities in some places.

What Should You Do Before Your Trip?

First, ensure you have reviewed every detail of your Supplemental Medicare policy to know what is covered and what lies outside its scope.

Learning about local healthcare is essential as well. Understand the healthcare system of the country you are visiting to ensure you are ready for any situation.

If you are uncertain about your policy or coverage details, you can always reach out to a Supplemental Medicare agency in Chesterton, Indiana for clarification.

Looking for a Supplemental Medicare Agency in Chesterton, Indiana?

Traveling abroad is fun and exciting, but you should always be prepared for medical emergencies. While Medicare is a great start, it might not cover everything — especially outside the US. Fortunately, Supplemental Medicare is there to help fill those gaps.

Are you ready to meet with a licensed insurance agent who can help you find the right Medicare Supplement plan prior to your travels? If so, and if you’re looking for the best Supplemental Medicare agency in Chesterton, Indiana, Senior Care Insurance Services (SCIS) is the place to call. Contact us today to learn how we can assist you.