Medicare Coverage Within U.S. Waters or Within Six Hours of a U.S. Port
Medicare may cover medical services received aboard a cruise ship if you received care in or within six hours of departure or arrival of a United States port. The medical services and supplies administered to you aboard a cruise ship must be within United States water at the time of treatment. The doctor must also be authorized to provide medical care aboard a cruise ship and should submit a claim to Medicare if your care was provided within U.S. waters.
Medicare Coverage In International Waters
Medicare does not typically cover medical services and supplies you received aboard a cruise ship while you are in international waters.
Certain Medicare Supplement Plans, known as Medigap, that are offered through private insurance companies may cover emergency medical care outside the United States. Private insurance companies offer Medigap plans to help cover some out-of-pocket costs from your Original Medicare (Part A and Part B) plan.
If you are planning a cruise, please speak to your travel agent about choosing a travel insurance plan with limited medical coverage.