International Travel –  visiting other states?
If you have Medicare HMO – MAPD
Original Medicare & Medi Gap?

Medicare pretty much does not pay outside of the USA, see Medicare & You  or Publication 11037 Medicare outside of USA for more details. 

Medicare Advantage Plans, Medi Gap and Supplements generally will pay up to $50k Emergency ONLY for up to 2 month visit.  Check the EOC – Evidence of Coverage, do not quote anything you read on the internet. 

Emergency Care means care needed immediately because of Accidental Injury or a Sickness of sudden and unexpected onset EOC – Evidence of Coverage,Insubuy.comR V HundalLegal Treatise on this as a defense in litigation

See also our page on International Travel.

Insubuy’s analysis of Medicare Coverage outside USA


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4 comments on “International Travel – MAPD Medi Gap $50k Emergency Limit

  1. Traveling outside USA coverages:

    Medigap and Medicare Advantage:

    How many miles outside US territories?

    How much deductible each occurance for Emergency medical?

    How about cruise ships coverage?

    • Here’s the official Medicare Guide for Coverage outside USA # 11037

      Will Medicare pay for medically necessary health care services I get on a cruise ship?

      Medicare may cover medically necessary health care services you get on a cruise ship in these situations:

      • The doctor is allowed under certain laws to provide medical services on the cruise ship.
      • The ship is in a U.S. port or no more than 6 hours away from a U.S. port when you get the services, regardless of whether it’s an emergency.

      Medicare doesn’t cover health care services you get when the ship is more than 6 hours away from a U.S. port.

      Blue Shield Plan F Extra Evidence of Coverage

      Medically Necessary Emergency Care in a Foreign Country. When a Subscriber requires Emergency Care to which he would be entitled to Medicare benefits while within the United States and to which he loses his entitlement solely by reason of his temporary absence from the United States, Blue Shield will pay, in addition to the other benefits of this Agreement, the benefits that Blue Shield determines he would otherwise have been entitled to from Medicare subject to the following:

      a) Medically necessary Emergency Care which begins during the first 60 consecutive days of each trip outside the United States;

      b) After a Calendar Year deductible of $250,* Blue Shield payment is made at 80% of the billed charges for Medicare Eligible Expenses;

      c) The lifetime maximum Blue Shield payment is $50,000.

      Emergency Care means care needed immediately because of Accidental Injury or a Sickness of sudden and unexpected onset.

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