![]() Each one can be identified by a letter: A, B, C, D, E, F, G, H, I, J, K, L, M, and N.ĭepending on the plan you choose, it could cover: There are several standardized Medicare Supplement Plans that seniors can join. Many seniors buy Medicare Supplement Plans to help pay for the remaining out-of-pocket costs that Medicare Parts A and B don’t cover. Let’s take a look at each of these policies in more detail.Īlso known as Medigap coverage, a Medicare Supplement Plan is health insurance that you can buy from private companies. If you are planning on traveling and want emergency medical coverage outside of the U.S., you will need one of the three health insurance plans listed below: How Do I Ensure My Medical Expenses Will Be Covered Outside the U.S? ![]() For example, a fee for a visit to the chiropractor.įor seniors on chronic medication, it’s important to note that Medicare will not cover prescription drugs outside the United States. Out-of-pocket costs: This term refers to expenses that are not covered by Medicare and that you must pay for yourself. For example, if you have a $1,000 deductible you have to pay $1,000 before your insurance kicks in.Ĭoinsurance: The percentage of costs you pay after your deductible has been met.Ĭopayment: A set rate you must pay for doctor visits, hospital stays and prescriptions. hospital that can treat the injury or illness.ĭeductible: This refers to the set amount you pay for health care services before your insurance begins to pay. The Canadian hospital must be closer than the nearest U.S. You are traveling through Canada without reasonable delay via the most direct route between Alaska and another U.S. facility that can treat the injury or illness. when you have a medical emergency, but a foreign hospital is closer than the nearest U.S. There are scenarios when Medicare will pay for medical services you receive in a foreign hospital. It’s important to note that the doctors in the above areas have to accept Original Medicare for your medical expenses to be covered. ![]() ![]() If you travel outside of these areas, you will have to pay for all of your medical expenses in a foreign hospital. territorial waters if the cruise ship is within six hours of an American port ![]()
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