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Avoid a Costly Surprise: Medicare's Limited Coverage for International Travel

October 1, 2024

Avoid a Costly Surprise: Medicare's Limited Coverage for International Travel

Medicare doesn’t cover most foreign travel situations, so new beneficiaries should plan to buy short-term medical coverage when traveling outside the U.S. These plans offer flexible options for deductibles and coverage limits to fit any budget, and having the right medical coverage could be a lifesaver if something goes wrong during your trip.

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A Closer Look At Medicare Eligibility For Those Under 65 With Disabilities
A Closer Look At Medicare Eligibility For Those Under 65 With Disabilities

If you’re under the age of 65 and have a disability, you may qualify for Medicare coverage. A qualifying disability is almost any health condition that prevents you from being able to work enough to access employer-sponsored health care benefits.  Medicare was designed to cover adults over 65 and some people younger than 65 with disabilities that meet certain criteria.

New to Medicare 2024: Feeling lost? You are not alone
New to Medicare 2024: Feeling lost? You are not alone

Change isn’t always easy. For some people. moving from employer-sponsored health insurance to Medicare is one of those rites of passage that can leave them frazzled. Instead of one packaged plan, Medicare is broken into three parts – Part A covers hospitalization, Part B covers doctor’s visits and Part D covers prescriptions.

Medicare Supplements: Improving Your Healthcare Coverage
Medicare Supplements: Improving Your Healthcare Coverage

While Medicare provides health benefits it doesn't cover all expenses. This is where Medicare supplement plans, also known as Medigap policies play a role. These plans fill in the gaps left by Original Medicare by assisting with costs such, as copayments, coinsurance and deductibles.

What are some 2025 changes in the Medicare Prescription Drug Plan?
What are some 2025 changes in the Medicare Prescription Drug Plan?

With the Inflation Reduction Act (IRS) we saw significant changes to some prescription drugs in 2024. More vaccines were covered at no cost and the $35.00 cap on a one month supply of Part B & D covered insulins were put into effect. In 2025 we are going to see a significant change again.

When Can I Change My Current Medicare Plan?
When Can I Change My Current Medicare Plan?

Learn when and how to change your Medicare plan, the rules for switching plans, the Annual Enrollment Period's role, and the importance of understanding underwriting requirements and consulting a Medicare broker.

How Medicare Beneficiaries Can Save Money on Prescriptions
How Medicare Beneficiaries Can Save Money on Prescriptions

Remember, you're your own best advocate with prescription medication. Don't hesitate to ask your doctor and pharmacist questions about any prescriptions. A single conversation about drug costs can lead to significant savings now and in the future.

Medicare Part D: Choosing the Right Prescription Drug Plan
Medicare Part D: Choosing the Right Prescription Drug Plan

This guide to Medicare Part D covers its importance, available plans, costs, and key factors in choosing a plan. It also addresses common pitfalls and special considerations for specific needs, helping you make informed decisions about prescription drug coverage.

Medicare May Not Pay Your Bills When Traveling Internationally
Medicare May Not Pay Your Bills When Traveling Internationally

As an international traveler, you should be aware that Medicare Coverage outside the U.S. is limited. Basically, to have Original Medicare pay for services you have only 3 situations where Medicare will pay for certain types of services in a foreign hospital.

Medicare Enrollment Periods: Key Dates and Details for 2024
Medicare Enrollment Periods: Key Dates and Details for 2024

To help you understand when and how to enroll or make changes to your Medicare coverage, we've detailed the key Medicare enrollment periods. Understanding these periods can ensure you get the coverage you need without facing unnecessary penalties or delays.

How to Switch from Employer Health Insurance to Medicare
How to Switch from Employer Health Insurance to Medicare

This article aims to provide a guide for individuals transitioning from employer health insurance to Medicare, ensuring they understand their options and can make informed decisions. If you need further assistance, please reach out to a Medicare expert for more resources and support.

Do I Need Long Term Care Insurance?
Do I Need Long Term Care Insurance?

As the chances of needing long-term care increase with age, it's wise to explore your insurance options early. Speak with an insurance agent to discuss your needs and find a policy that offers the best protection for your future.

Top 5 Benefits of Using a Local Medicare Agent
Top 5 Benefits of Using a Local Medicare Agent

As age 65 draws near, start thinking about your Social Security benefits and what coverage you need for your healthcare. While its relatively easy for you to get enrolled and get the coverage you need, for some, the entire process can seem a bit overwhelming.

The Importance of Annual Medicare Plan Reviews
The Importance of Annual Medicare Plan Reviews

Discover why it's crucial to review your Medicare plan annually and learn how to do it effectively to ensure you have the best coverage for your healthcare needs and budget. This guide provides essential insights and practical steps for conducting your annual Medicare plan review.

Medicare and Moving to Another State: What You Need to Know
Medicare and Moving to Another State: What You Need to Know

Moving to another state? Ensure seamless Medicare coverage with our guide on updating plans, exploring new options, and managing enrollment periods. Get expert tips on transferring healthcare smoothly and understanding state-specific Medicare rules.

Medicare Advantage vs. Medicare Supplement Plans: Which is Right for You?
Medicare Advantage vs. Medicare Supplement Plans: Which is Right for You?

Deciding between Medicare Advantage and Medicare Supplement plans can be a challenge, especially with so many options and details to consider. Both plans offer unique benefits, and understanding the differences is key to choosing the right one for your healthcare needs. This guide will break down the features of each plan, helping you make a confident and informed choice about your Medicare coverage.

What is the Role of a Medicare Sales Agent?
What is the Role of a Medicare Sales Agent?

Medicare sales agents are specialized professionals playing a pivotal role in helping seniors navigate the complexities of Medicare and ensuring they secure the coverage that best suits their needs.

How to Appeal a Denied Medicare Claim
How to Appeal a Denied Medicare Claim

If you receive a denial for a Medicare claim, it's important to know that you have the right to appeal the decision. Here’s a comprehensive guide to help you through each stage of the Medicare appeals process.

How do I find a local Medicare agent?
How do I find a local Medicare agent?

As you approach the age of 65, finding the right Medicare plan can be overwhelming. However, working with a local Medicare agent can make the process much more manageable. In this article, we will discuss how you can find a local Medicare agent to help you.

10 Medicare Insights from Experienced Agents
10 Medicare Insights from Experienced Agents

Find 10 expert-recommended tips for navigating the Medicare insurance system. The article covers how to compare options and prices, research rate increases, evaluate drug plan coverage, maximize health savings, and be aware of changes in the system.

Medicare's Role in Long-Term Care Coverage
Medicare's Role in Long-Term Care Coverage

This article explores how Medicare interacts with long-term care needs, detailing the coverage options and limitations while highlighting the invaluable assistance local insurance agents can provide in navigating these complexities and making informed decisions.

Benefits of Working with a Local Medicare Agent
Benefits of Working with a Local Medicare Agent

Discover how partnering with a local Medicare agent can provide personalized, expert guidance to navigate Medicare plans. Enjoy tailored advice, convenience, and ongoing support for all your healthcare needs.

Finding a Local Medicare Insurance Agent: What You Need to Know
Finding a Local Medicare Insurance Agent: What You Need to Know

The article helps find a Medicare agent who provides personalized service, offers options and understands your needs. Key factors to consider: experience, credibility and communication style. The goal is to make informed decisions about healthcare coverage with the right agent.