Am I covered by Medicare if I travel outside of the United States?

Am I covered by Medicare if I travel outside of the United States?

Traveling with Original Medicare, Part A and Part B

You will have coverage anywhere in the U.S. if you are an Original Medicare, Part A and Part B, beneficiary. However traveling outside of the country may limit your Part A and Part B coverage.

Situations with Limited Part A and Part B coverage require you to pay 20% of the Medicare-approved amount and the Part B deductible. This is true for the following situations:

  • Medicare will pay for emergency medical care in Canada if you are traveling directly between Alaska and another U.S. state without unreasonable delay and the nearest hospital for your care is in Canada. 
  • You will also be covered by Medicare if you need medically necessary care aboard a cruise ship and the ship is in U.S. waters or within six hours of arrival or departure from a U.S. port.
  • You may be covered for non-emergency inpatient services while traveling overseas if the closest hospital that can provide treatment is a foreign hospital rather than a U.S. hospital.
  • You may receive coverage for a medically necessary ambulance service to reach a foreign hospital only if you are admitted for a Medicare covered inpatient hospital service. 

Traveling with Medicare Advantage (MA)

When traveling in the U.S. you will be required to stay within your plan's provider network in order to receive routine care unless you are willing to pay higher costs for an out-of-area provider. You will still be covered for emergency and urgent care as needed. MA plans may differ when it comes to providing care if you're outside the country. Contact your Medicare Advantage plan if you are traveling outside the U.S. for more information on out-of-area coverage.

Medigap Coverage Outside the U.S.

If you are an Original Medicare beneficiary, you may consider purchasing a Medicare Supplement insurance plan, referred to as Medigap or MedSup, to receive foreign travel coverage. Plans C, D, F, G, M, and N may partially cover foreign travel medical expenses up to a certain amount. Medigap plans supplement only Original Medicare benefits and cannot be used in combination with a Medicare Advantage plan. However, Medicare Advantage plans may also offer some coverage for traveling outside the country. 

For help finding a Medicare plan, Medicare Supplement or a Medicare Advantage plan, try our Medicare Cost Revealer. If you have any questions, please contact Medicare at any time at 1-800-MEDICARE (1-800-633-4227; TTY users 1-877-486-2048).

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Am I covered by Medicare if I travel outside of the United States?