Medigap: Emergency Travel Care For Seniors Turning 65

Learn how Medicare Supplemental may cover your foreign emergency care

by Amy De Vore+ on Oct 18, 2013

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You’re almost 65, worked your whole life, and now want to travel the world. But, did you know that Original Medicare doesn’t usually cover you while you are travelling outside of the U.S.? What if you fall on a cobblestone street in Amsterdam, break a leg in South Africa, or have a serious medical emergency. Medigap has you.

Which Medigap Plans offer Foreign Emergency Care?

Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage when you are on foreign soil/waters. Don’t forget about cruises, as most travel outside of U.S. waters. Medigap E, H, I, and J, are no longer available for seniors, however if you are currently enrolled in one of these they are still good and they provide emergency care when outside of the U.S.

Medigap Foreign Travel Coverage

The following list shows how the above Medigap plans cover you when have an emergency outside of the U.S.:

  • You must meet a $250 foreign travel deductible
  • After Medigap pays 80% of your medical costs
  • Emergency must happen within first 60 days of your trip
  • Medigap covers up to $50k over a lifetime

What else does Medigap cover?

Emergency travel is just one benefit of Medigap. These plans may also cover your Medicare Part A & B deductibles, coinsurance, and excess charges. Medigap can actually save you $1Mil in a year by the covering your charges and extending your hospitalization up to 365 day, over a lifetime.

What if I Missed the Open Enrollment for Medigap but want Foreign Coverage?

You have two options. You can try and enroll in a Medigap plan later, but remember most providers will check your health records if you enroll late. If you have a preexisting condition it may be difficult to enroll in a plan. The other is to purchase supplemental travel insurance that covers extras, like lost luggage.

To enroll in a Medigap plan or to learn more about one call 800-930-7956 or contact Senior65.

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