In most situations, Medicare won’t pay for health care or supplies you get outside the United States, which can pose problems when traveling. But your Medigap (Medicare Supplement) policy may offer additional coverage for emergency health care services or supplies you get outside the U.S.
Standard Medigap Plans C, D, F, G, M, and N provide foreign travel emergency health coverage when you travel outside the United States.
Plans E, H, I, and J are no longer for sale, but if you bought one before June 1, 2010, you might keep it. All of these plans also provide foreign travel emergency health coverage when you travel outside the U.S.
The coverage from your Medicare Supplement plan only applies to the first 60 days of foreign travel. There is a $250.00 deductible, then an 80/20 split, with the plan paying 80% and you pay the other 20%, up to a lifetime maximum of $50,000.
When planning extended travel (more than 60 days) or you are concerned about the $50,000 limit, you may want to consider a separate travel insurance policy.
For more information on Medicare coverages while abroad, see the following articles from the Medicare website.
Original Medicare consists of two parts Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). If you or your spouse have paid Medicare taxes for 40 quarters (ten years) or more, you will not pay a premium for Medicare Part A. However, you will pay a monthly premium for Medicare Part B, and people with higher incomes will pay higher premiums.
For 2022 the Medicare Part B premium can vary between $170.10 to $578.30 a month, depending on your income. For 2022 the standard monthly premium for an individual making $91,000 or less or a couple filing a joint return making $182,00 or less is $170.10.
Medicare will send you a bill if you are not collecting Social Security or Railroad Retirement benefits. If you are collecting Social Security or Railroad retirement payments, your monthly Part B premium will be deducted from your check.
If you are signing up for Medicare Part B in 2022, Medicare will use your tax return from two years previous or 2020.
Click on the link below to see the complete Medicare Part B premiums table.