Medicare is excellent coverage — but it has major limitations when you leave the United States. Here’s exactly what you need to know before your next international trip.
What Medicare Covers Abroad (and What It Doesn’t)
Important Fact:
Original Medicare (Parts A & B) generally does not cover medical care outside the United States, with very limited exceptions (such as in some cases near the U.S. border or on cruise ships).
What About Medicare Advantage Plans?
Some Medicare Advantage plans offer limited international coverage, but benefits vary widely and often have low caps ($5,000–$25,000). Most retirees need additional protection.
Best Supplemental Options for Seniors
For travelers 65+, we strongly recommend pairing your Medicare with GeoBlue Voyager Choice or Worldwide Premier. These plans offer:
- High medical limits ($1M+)
- Medical evacuation up to $500K–$1M
- Pre-existing condition coverage options
- 24/7 assistance that coordinates with your U.S. doctors
Takes less than 60 seconds • No obligation
Real Story: $87,000 Bill Covered in Portugal
“My husband had a heart attack while we were in Lisbon. Medicare didn’t cover a single dollar. GeoBlue paid the entire $87,000 hospital bill and flew us home safely. We would have been financially ruined without it.” — Margaret T., 72, Florida
Ready to Travel with Confidence?
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