Original Medicare, Part A and Part B, does not cover medical services or items you get outside of the U.S. and its territories. If you have a medical emergency in the U.S., but the closest hospital is outside of the country, Medicare might cover care in the foreign hospital.
Medicare Supplement (Medigap) plans do offer coverage for out-of-country travel. These plans cover foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care. They pay 80% of the billed charges for certain Medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year. This benefit does have a $50,000 lifetime limit.
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