Does Medicare cover health care services on a cruise ship?
Answered by 14 licensed agents
However, adding a proper supplemental plan to your original Medicare can provide a $50,000 lifetime reimbursement benefit to augment your billing.
Answered by Norman Smith on March 30, 2025
Agent Licensed in FL & PA
Answered by Larry Dalton on March 26, 2025
Broker Licensed in OK & TX
I have some clients buy extra coverage depending on the type of travel
Answered by Tasha Riggs on April 1, 2025
Broker Licensed in CO, AZ, HI & 10 other states
Answered by Ray McCauley on March 27, 2025
Broker Licensed in CA, AZ, FL & ID, NV, SC & TN
Answered by Karen Boudreaux on March 13, 2025
Agent Licensed in TX, AZ, CA & 5 other states
Additionally, some other parts of Medicare might extend to the emergency services or travel home from an emergency, like a Medicare Supplement or Medicare Advantage (MA) plan. Just keep in mind, if you do have a MA plan (specifically), it probably has a network you must stay within, so there’s not as much flexibility with your healthcare, when you’re on one of these types of plans.
So if you travel frequently or have questions about an upcoming trip, make sure you call our office so we can help you walk through your specific plans and needs.
Answered by Sherah Beasley on April 21, 2025
Broker Licensed in TX
Answered by Christie LeBoeuf on May 23, 2025
Agent Licensed in LA, AL, GA, MS & TX
Answered by Gregg Matheny on March 26, 2025
Agent Licensed in AZ & UT
Answered by Michael Kim on March 25, 2025
Agent Licensed in NV, AR, AZ & 18 other states
Answered by Julie Joyce on March 25, 2025
Agent Licensed in PA, CT, DE & 9 other states
Answered by Lea Ayres on March 12, 2025
Broker Licensed in PA, CT, MD & 8 other states
Here's a more detailed breakdown:
Within U.S. Territorial Waters:
If the cruise ship is within U.S. territorial waters (in a U.S. port or within six hours of arrival/departure), Medicare may cover medically necessary services.
Outside U.S. Territorial Waters:
Medicare generally does not cover healthcare services when the ship is more than six hours away from a U.S. port.
Doctor's Authorization:
The doctor providing the services on the cruise ship needs to be legally authorized to do so.
Claim Submission:
If you receive medical services on a cruise ship and the doctor's office is in the U.S., they will submit the claim to Medicare. If the doctor's office is not in the U.S., you'll need to complete a CMS-1490S form and submit it to Medicare with the necessary documentation.
Medicare Advantage Plans:
Some Medicare Advantage plans may offer additional coverage for international travel, including on cruise ships, so it's important to check with your plan provider.
Answered by Fred Manas on May 6, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Marcie Barnes on April 18, 2025
Agent Licensed in TX, AK, AL & 48 other states
Answered by Duaine Owings on February 11, 2025
Agent Licensed in MO, FL, KS, NC & TX
Tags: Advice for Seniors Coverage
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