Living Outside the US? What Medicare Does — and Doesn't — Cover
Medicare generally does not cover health care outside the United States. If you live abroad, you'll need to decide whether to keep Part B (paying premiums for when you return) or drop it (risking a penalty when you re-enroll). Part A is usually free, so most people keep it.
When This Applies
- You are moving abroad or already live outside the US
- You spend significant time overseas
- You want to know if Medicare covers you internationally
- You are deciding whether to keep paying Part B premiums
Frequently Asked Questions
- Does Medicare ever cover foreign care?
- In very limited cases — certain emergencies near the US border, on US-flagged ships, or through specific Medigap plans. Generally, no.
- Can I re-enroll when I return?
- If you dropped Part B, you'll need to wait for the GEP (January–March) and face a penalty based on the gap length.
- What about Part D abroad?
- Similar considerations apply. Dropping Part D while abroad creates a penalty when you return. VA drug coverage abroad may be creditable.