Many of our senior clients enrolled in Medicare may assume that their coverage extends seamlessly overseas. However, that's not the case. In fact, a U.S. passport contains language regarding international coverage with Medicare and encourages travelers to seek other solutions.
Here are a few of the gaps that could occur when relying only on Medicare internationally:
Medicare/Medicaid policies have limited lifetime coverage overseas
Outside the United States, Medicare policies only carry a $50,000 lifetime maximum. Just one medical evacuation can max out a policy and put you at risk of needing more coverage.
You pay up front and file claims later
Domestic policies hold seniors responsible for covering the costs of their treatment until they are able to file a claim for reimbursement. In many cases the domestic policy will only pay for 80 percent of the cost.
Travelers coordinate their own care
Coordinating hospital stays, arranging transportation, setting up direct pay, and monitoring care; Travelers relying on Medicare would be responsible for managing all of these details while battling potential health issues in a foreign city.
GeoBlue travel medical plans cover individuals up to age 95 with no underwriting and they cover these gaps and more.
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