Do Medicare Supplements Provide Coverage When I Travel?

Medicare Supplement Plans, also called Medigap, are plans sold by private insurance companies to help provide coverage for costs that aren’t covered by Original Medicare, like copayments, coinsurance, and deductibles.

What Do Medicare Supplements Cover?

Every Medicare Supplement plan covers the same basic benefits, including Part A coinsurance and hospital costs, full or part of Part B coinsurance or copayment, full or part of the first three pints of blood used in a procedure, and full or part of your Part A hospice care coinsurance or copayment. 

Many policies offer additional coverage. Following are the different Medigap plans available as well as their coverage:

  • Medigap A covers full basic benefits only.
  • Medigap B covers full basic benefits as well as Part A deductible.
  • Medigap C covers full basic benefits, skilled nursing facility care coinsurance, Part A deductible, Part B deductible, and 80% of foreign travel exchange (up to plan limits).
  • Medigap D covers full basic benefits, skilled nursing facility care coinsurance, Part A deductible, and 80% of foreign travel exchange (up to plan limits).
  • Medigap F covers full basic benefits, skilled nursing facility care coinsurance, Part A deductible, Part B deductible, Part B excess charge and 80% of foreign travel exchange (up to plan limits).
  • Medigap G covers full basic benefits, skilled nursing facility care coinsurance, Part A deductible, Part B excess charge and 80% of foreign travel exchange (up to plan limits).
  • Medigap K covers full Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up and 50% of the remaining basic benefits, as well as 50% of skilled nursing facility care coinsurance and 50% of Part A deductible.
  • Medigap L covers full Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up and 75% of the remaining basic benefits, as well as 75% of skilled nursing facility care coinsurance and 75% of Part A deductible.
  • Medigap M covers full basic benefits, skilled nursing facility care coinsurance, 50% of your Part A deductible, and 80% of foreign travel exchange (up to plan limits).
  • Medigap N covers full basic benefits, skilled nursing facility care coinsurance, Part A deductible, and 80% of foreign travel exchange (up to plan limits).

Do Medicare Supplements Provide Coverage When I Travel?

Some Medicare Supplements offer additional coverage for care you receive outside of the United States. Plans C, D, F, G, M, and N provide foreign travel emergency care coverage when traveling outside the United States. 

Some plans that are no longer available (like Plans E, H, I, and J) also provide foreign travel emergency health care coverage outside of the U.S. If you bought one of these plans before June 1, 2010 and still have it, you have this coverage.

What Does My Medicare Supplement Plan Cover When I Travel?

All Medigap policies have a lifetime limit of $50,000 for foreign travel emergency coverage. If you have Medicare Supplement Plan C, D, F, G, M, or N, your plan does the following:

  • Covers care if it begins during the first 60 days of your trip (and if Medicare doesn’t cover the care)
  • Pays 80% for some medically necessary emergency care outside the United States after meeting your $250 annual deductible

Let’s Talk About Your Options

Travel regularly and not sure which Medicare Supplement can help you get the most coverage? Temmen Insurance can help you make the best choice for your needs and lifestyle. We specialize in simplifying the complicated Medicare process and making coverage suggestions that fit the life you actually have. Reach out today for a free quote to get started.

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