Important Information About
Medigap Policies C, D, E, F, G, H, I & J
Your Medigap (Medicare Supplement) plan may provide worldwide coverage benefits for health care needs when you travel outside the United States. Medigap policies C, D, E, F, G, H, I & J provide Foreign Travel Emergency health care coverage when you travel outside the United States. Under these plans, Medigap policies pay for 80% of the cost of emergency care during the first 60 days of each trip after you pay the $250 deductible. Foreign Travel Emergency coverage with Medigap policies have a lifetime limit of $50,000.
You should check with your Medicare Supplement plan prior to traveling outside of the United States regarding your worldwide coverage benefits. Your Medicare Supplement plan will either tell you:
"We pay whatever Medicare won't pay, subject to deductibles & copays." or "If Medicare's not obligated to pay, we won't pay either."
Here's why you'll want to how your Medigap plan pays:
If your Medigap plan has a lifetime limit of $50,000 of medical benefits paid, I (Steve) suggest you get a trip cancellation travel insurance plan that has Primary Medical coverage. That way if you have a medical claim you are not using part of your lifetime limit. But, if your Medigap plan supplements (gives you more than the $50,000 lifetime limit), I (Steve) suggest you get a trip cancellation travel insurance plan that has Secondary Medical coverage.
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