A Medicare enrollee’s guide to travel coverage

Retirement evokes different ideas for each of us, but for many people, travel is part of the picture. If you plan to use your newfound freedom from the 9-to-5 grind to see the world, take that into consideration when you enroll in Medicare and select your supplemental coverage products.

Original Medicare generally doesn’t cover treatment outside the United States and its territories (Guam, Puerto Rico, U.S. Virgin Islands, American Samoa, and Northern Mariana Islands), and Medicare prescription drug plans do not cover outpatient medications purchased outside the United States.

There are very limited exceptions where Medicare might pick up the tab (with the patient paying 20 percent of the approved amount, plus the Part B deductible if outpatient care is covered). But foreign hospitals do not have to submit claims to Medicare; if you qualify for coverage, you might have to submit your own itemized bill for reimbursement.

In any case,…

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