You're nearly 65 years old, have worked your entire life, and now want to explore the globe. However, did you realize that Original Medicare normally does not cover you when you go outside of the United States? What if you trip on a street in Germany, break your leg in Korea, or experience a catastrophic medical emergency somewhere other than the United States?
Medigap may be able to help you. Enrolling in a Medigap plan can assist cover some of your emergency treatment when traveling abroad, whether you are a senior just turning 65 or are Medicare-eligible due to End-Stage Renal Disease or certain disabilities.
When you have an emergency outside of the United States, the following list explains how the aforementioned Medigap policies protect you:
The emergency must occur within the first 60 days of your journey.
Medigap insurance pays up to $50,000 in medical expenses over the course of a lifetime.
A $250 foreign travel deductible must be met.
After Medigap provides for 80% of your medical expenses.
Also Read: Tips For Choosing The Right Medigap Plans
When you're on foreign soil/waters, Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health care coverage. Don't forget about cruises, as the majority of them travel outside of US territorial seas. For seniors, Medigap E, H, I, and J are no longer available; however, if you are currently enrolled in one of these plans, it is still valid and provides emergency care when traveling outside of the United States.
One of the advantages of Medigap is the ability to travel in an emergency. Your Medicare Part A and Medicare Part B deductibles, coinsurance, and excess payments may be covered under these plans. By covering your expenditures and prolonging your hospitalization up to 365 days over the course of your life, Medigap can actually save you hundreds of dollars per year.
There are two possibilities available to you. You can enroll in a Medigap plan later, but keep in mind that most providers will review your medical records if you enroll late. It may be tough to enroll in a plan if you have a preexisting condition. The other option is to buy extra travel insurance that covers things like misplaced bags.
For more information Call (844)731-6614 to enroll in a Medigap plan.
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