The idea of moving to another country—whether for retirement, travel, or family
reasons can be an exciting adventure. But if you’re enrolled in Medicare, you might have one important question on your mind: Can I still use my Medicare benefits if I live outside the United States?
The short answer is: No , Medicare generally does not provide coverage outside of the U.S.. However, there are some exceptions and nuances to consider, especially if you’re planning on
traveling or moving abroad. This blog will explain how Medicare works outside the U.S., the limited coverage available, and your options for staying covered while living overseas.
For the vast majority of Medicare beneficiaries, the answer is no Original Medicare (Part A and Part B) will not cover any medical services outside of the United States or its territories (such as Puerto Rico, the U.S. Virgin Islands, or Guam).
Does Medicare Cover Health Care Outside the United States?
What Is Not Covered?
- Hospital stays or doctor visits abroad.
- Emergency medical services outside the U.S.
- Prescription drugs (unless you’re traveling through Canada to the U.S. under very specific circumstances).
While it might seem like a big drawback, there are a few exceptions and alternatives you can explore.
Exceptions to Medicare Coverage Outside the U.S.
While Medicare won’t cover routine medical care abroad, there are limited situations
where Medicare does provide coverage for emergency services outside the U.S. These are typically very specific conditions that you need to be aware of:
1. Emergency Care in a Foreign Hospital
Medicare may cover emergency care if you are traveling outside of the U.S. and you have a medical emergency. However, this coverage is limited and only applies under the following conditions:
- You’re within the U.S. border but near a foreign country (for example, crossing the border to Canada or Mexico for a short trip).
- The foreign hospital must be closer than the nearest U.S. hospital capable of providing the care you need.
- The emergency is considered an urgent need and you can’t get to a U.S. hospital in time.
If you are seeking routine care or care that isn’t an emergency, Medicare will not cover those costs.
2. Emergency Medical Transportation
If you need to be transported from a foreign country to the U.S. for emergency care, Medicare
may cover this cost in some situations, but only if:
- You were in an emergency situation.
- The transportation is necessary to get you to the nearest U.S. hospital.
- The transportation is typically covered under Medicare Part B if deemed an emergency.
What Are Your Options for Coverage Abroad?
While Medicare doesn’t cover most medical services abroad, there are alternatives to ensure
that you’re covered when traveling or living outside the U.S.
1. Travel Insurance
One of the best options for international coverage is travel health insurance. Many insurance companies offer policies that provide coverage for emergency medical care and medical evacuation when you’re overseas. You can purchase travel insurance specifically designed for seniors or for those planning on living abroad for extended periods.
Travel health insurance typically covers:
- Emergency medical care (hospital stays, doctor visits, surgery)
- Medical evacuation to the nearest hospital or back to the U.S.
- Prescription medications for emergencies
Before purchasing, make sure to carefully read the policy to understand what’s covered and any exclusions.
2. Medicare Advantage Plans (Part C)
Some Medicare Advantage plans may offer limited international coverage but this is very specific. Most Medicare Advantage plans only provide coverage in the U.S. and its territories. However, there are certain plans that may cover emergency care while you’re traveling
abroad, though coverage will likely be limited.
- Check with your Medicare Advantage provider to see if your plan includes coverage for emergency services abroad.
- Understand the limits of that coverage, such as the deductible, co-pays, and coverage caps.
3. Expatriate Insurance for U.S. Citizens Living Abroad
If you’re moving abroad for an extended period or permanently, expat health insurance might be a good choice. These plans are designed specifically for U.S. citizens living outside the country and can offer comprehensive coverage for:
- Routine medical care
- Emergency medical treatment
- Hospital stays
- Evacuation to the U.S. if needed
Some expat health insurance plans can also cover Medicare beneficiaries and provide more robust international coverage than what Medicare can offer.
Final Thoughts: Planning Ahead for International Coverage
If you’re planning to move abroad or spend significant time outside the U.S., it’s important to understand how Medicare works in these situations. While Medicare does not typically provide
coverage for care outside the U.S., there are options available, including travel insurance, Medicare Advantage plans, and expat health insurance.
Before making your move or traveling internationally, it’s a good idea to:
- Check with your Medicare Advantage provider (if you have one) about international coverage.
- Research travel health insurance or expat insurance plans that will cover your medical needs while abroad.
- Consult with your Medicare advisor to discuss the best options and ensure you have the coverage you need for emergencies.
