Does Medicare Cover Health Care If You Live Abroad?
Generally no. Medicare does not cover health care services received outside the United States, with very limited exceptions in Canada and Mexico. If you live abroad, you may want to consider whether to keep paying Part B premiums.
Frequently Asked Questions
- Should I keep Part B if I move abroad?
- It depends on whether you plan to return. If you drop Part B and later come back, you may face a late enrollment penalty and wait for the General Enrollment Period.
- Does Medicare cover emergencies while traveling?
- Medicare generally does not cover care received outside the U.S., even in emergencies. Some Medigap plans offer limited foreign travel emergency coverage.
- What about Medicare Advantage plans abroad?
- Medicare Advantage plans may offer limited foreign travel coverage depending on the plan. Check your plan's specific terms.