Get Peace of Mind with the Right Travel Insurance Coverage.
Though some Medicare plans provide a worldwide emergency benefit in certain situations, coverage for illness or injury while traveling overseas is generally not covered. Read below to learn how Medicare coverage works with foreign travel and the role a good travel medical policy can play in giving you peace of mind while traveling abroad.
Medicare Plans and Foreign Travel Coverage
Most Medicare Supplement plans will cover emergencies during the first 60 days of a trip abroad, but you will pay a $250 deductible plus 20% of the cost of treatment up to a lifetime limit of $50,000. Some Medicare Advantage plans may also cover emergencies abroad, but even if available, coverage can vary by plan. Medicare Part D prescription drug plans do not provide coverage abroad. However, you may consider asking for a vacation travel supply for any medications prior to your trip or filling a 90-day supply if possible. Another thing to remember about Medicare and foreign travel coverage is that foreign hospitals and providers are not required to file Medicare claims so most will require you to pay upfront and submit itemized bills for reimbursement later.
Travel Insurance Policies
A good travel insurance policy provides coverage and peace of mind for you and your loved ones. Unique benefits are available to cover everything from an upset stomach to hospitalization and emergency medical evacuation. Many carriers coordinate hospital stays, arrange medically necessary evacuation if needed, set up direct pay, and monitor care. Covered individuals can have access to help 24 hours a day, digital tools to help you connect with providers and receive cashless or paperless access for care when using contracted providers.
Various levels of coverage and plans are available for individuals, families, and groups who need medical insurance while traveling for business or pleasure. In addition to accident and medical coverage, plans typically include protection for lost, damaged or stolen baggage, trip cancellation, delays and more.
Reach out to your trusted insurance agent to discuss your travel coverage needs and for help selecting and enrolling in a plan that’s right for you.
Medical Evacuation and Global Transport Memberships
In addition to travel insurance policies, there are membership programs like MedJet to give you added protection when traveling 150 or more miles from your home. MedJet is a membership program that, in the case of serious illness, injury, or travel security and crisis, provides global air medical transport services back to the hospital of your choice in your home country. While travel insurance policies do typically include medical evacuation benefits to the nearest appropriate facility, a MedJet membership ensures the member transport to the hospital of their choice in their home country. Go here to learn more about the MedJet memberships available and get enrolled today or contact us for more information.