Does Medigap Plan A Cover Foreign Travel
Does Medigap Plan A Cover Foreign Travel?
Some Medicare recipients who have health care coverage through Original Medicare Part A (hospital insurance) and Part B (medical insurance), have concerns about their out-of-pocket expenses. Many Medicare recipients enroll in Medicare Supplement, or Medigap, insurance, plans. These Medicare Supplement plans help beneficiaries cover some of the “gaps” that Original Medicare doesn’t. These can include copayments, coinsurances, deductibles, excess charges, out-of-pocket limits, and even emergency medical care outside the United States.
Across the United States today, there are private health care insurance providers who sell standardized Medigap insurance plans to those who qualify. There are 10 Medigap plans that offer a variety of benefits, depending on the plan. Plans A, B, D, G, K, L, M, and N are available for all new Medicare enrollees but plans C and F are not. In January of 2020, Medicare Supplemental insurance stopped coverage for Original Medicare Part B deductibles making these two plans unavailable for new beneficiaries to enroll in. However, if you enrolled in plan C or F before this deadline, you are able to keep this coverage.
If you live in Minnesota, Massachusetts, or Wisconsin, Medicare Supplement insurance is standardized differently. If you live in one of these states, you should check the coverage details before you enroll in one of the plans.
If you’ve been considering enrollment in a Medicare Supplement plan that can cover you during your travels outside the U.S., here’s a look at which plans offer that benefit.
Does Medigap Plan A cover foreign travel?
Private insurance companies can sell Medicare Supplement insurance if they choose to. If they do choose to, they must at least offer Plan A. While Plan A doesn’t include health care coverage for medical emergencies abroad, it does offer the following benefits:
• 100 percent of Medicare Part A coinsurance and hospital costs for up to an additional 365 days of care after Medicare benefits end.
• 100 percent of Medicare Part B copayments and coinsurances.
• The first three pints of blood you might need during a health care procedure.
• 100 percent of Medicare Part A hospice care copayments and/or coinsurances.
Medigap plan A doesn’t cover the following:
• Your coinsurance costs for skilled nursing facility care.
• The Medicare Part A deductible which is $1,484.00 as of 2021.
• The Medicare Part B deductible which is $203.00 as of 2021.
• Any excess charge through Medicare Part B. This can be any amount of money legally charged by your physician or other health care provider that is more than the Medicare-approved amount for the service.
• Emergency medical care during foreign travel.
Which Medigap plans cover foreign travel?
If having coverage during your travels outside the United States is your main reason for enrolling in a Medicare Supplement plan, you should look into one that offers this benefit.
Standard Medigap plans C, D, F, G, M, and N cover foreign travel emergency medical care when you are outside the United States. As mentioned above, plans C and F aren’t available for people enrolling in Medigap after January 1, 2020. Also, Plans E, H, I, and J, which are no longer available, have the foreign travel emergency care benefit for those who purchased a plan before June 1, 2010.
Plans C, D, F, G, M, and N cover foreign travel emergency care when it occurs within the first 60 days of your trip abroad and only if Medicare doesn’t cover that care. These plans pay 80 percent of the billed charges for certain types of medically necessary emergency care, but only after you cover your deductible for the year. Foreign travel emergency medical care coverage through a Medigap plan has a lifetime limit of $50,000.00.
If you’d like more information about Medicare Supplement insurance, you can speak to a licensed agent who can help you compare plans and find the one that meets your needs.
Leave a Reply