Will my Medicare plan work when traveling to Europe?

Answered by 8 licensed agents

Traditional Medicare with Parts A and B and a Medigap plan F or G, could cover up to 80% where Medicare is accepted. Medicare Advantage plans would need prior approval from the insurance company that is carrying the plan.

Answered by Larry Dalton on April 17, 2025

Broker Licensed in OK & TX

Answered by Larry Dalton Medicare Insurance Agent

Answered by Clarence "Mark" Christiansen on April 10, 2025

Agent Licensed in WI, AZ, CA & 16 other states

Answered by Clarence "Mark" Christiansen Medicare Insurance Agent
Any on whose plan you choose it can cover you so that you are in a position to return to the US a and be taken care of.

Answered by David Moore on April 10, 2025

Broker Licensed in IN, FL, MI, NC & OH

Answered by David Moore Medicare Insurance Agent
Original Medicare with a Supplement provides up to $50,000 in lifetime reimbursements, covering up to 80% of your International medical costs. Note that your Medicare will work in the territories of the US. Such places as the US Virgin Islands, Puerto Rico, and Guam. There are a few places between the USA Northern border and Alaska that would also have coverage under Medicare. Europe is not a covered location. I would recommend taking Travel Insurance.

Answered by Norman Smith on April 9, 2025

Agent Licensed in FL & PA

Answered by Norman Smith Medicare Insurance Agent
No. Medicare doesn't cover outside the U.S. except for limited coverage near the U.S. border.

Please see www.locatemedicareinsurance.com for other information.

Andrew J. Zurbuch, MBA

Licensed Broker

Integrated Financial

[email protected]

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Answered by Andrew Zurbuch, MBA on April 8, 2025

Broker Licensed in IN, FL, KY, MO, OH & TN

Answered by Andrew Zurbuch, MBA Medicare Insurance Agent
Generally speaking, Medicare coverage is only in the US. However, your Medicare supplement or Advantage plan will provide emergency medical coverage overseas if necessary.

Answered by Michele Vina on April 14, 2025

Broker Licensed in TX, KY, OH & OK

Answered by Michele Vina Medicare Insurance Agent
Your Medicare plan will only work NEAR the US border, and only in some circumstances. I always advise people that are traveling outside of the US to purchase a Travel Medical plan. They are fairly inexpensive and very robust in their coverage. They don't cover travel to some countries where there is unrest.

Answered by Steve Brauer on April 16, 2025

Broker Licensed in AZ & CA

Answered by Steve Brauer Medicare Insurance Agent
This is going to vary and be dependent on what plan you have. Original Medicare is not an international health insurance program so the coverage available internationally will be based on your Medicare plan.

Several Medicare Supplement (Medigap) plans (specifically Plans C, D, F, G, M, and N) offer 80% "foreign travel emergency" coverage, subject to plan limits.

Many Medicare Advantage plan companies also offer some international coverage. In general, Emergency Room and Urgent Care is covered by some companies and may or may not have a copay associated. At least one other company also covers ground ambulance transportation internationally for a copay.

Checking with your broker/agent or going through your plan's full Explanation of Benefits documentation will give you the coverage available with your specific plan.

Answered by Abigail Turner on April 16, 2025

Broker Licensed in KS, AZ, KY & 8 other states

Answered by Abigail Turner Medicare Insurance Agent

Tags: Coverage

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