Medigap Plans and Foreign Travel: What’s Covered?

Are you planning a trip abroad and wondering if your Medigap plan will cover you while you’re traveling? Understanding how Medigap plans work when you’re outside the United States is important to ensure you have the right coverage. This guide will explain what Medigap plans are, how they cover foreign travel, and which plans offer the best protection. Let’s dive in

What Are Medigap Plans?

Medigap, also known as Medicare Supplement Insurance, is extra health insurance you can buy from private companies. It helps pay for some of the healthcare costs that Original Medicare (Parts A and B) doesn’t cover, such as copayments, coinsurance, and deductibles. There are different Medigap plans, labeled with letters like Plan A, Plan B, Plan C, etc. Each plan offers a different set of benefits.

Do Medigap Plans Cover Foreign Travel?

Yes, some Medigap plans do cover foreign travel emergency care, but not all of them. This is important because Original Medicare generally does not cover healthcare services you get outside the United States. If you plan to travel abroad, having a Medigap plan that includes foreign travel coverage can be very helpful.

Which Medigap Plans Include Foreign Travel Coverage?

Six Medigap plans offer foreign travel emergency coverage. These are Plans C, D, F, G, M, and N. Here’s a quick look at what they offer:

Plan C: This plan covers foreign travel emergency care.
Plan D: This plan also includes foreign travel emergency coverage.
Plan F: Plan F offers comprehensive coverage, including foreign travel emergency care. Note that Plan F is only available to those who were eligible for Medicare before January 1, 2020.
Plan G: Similar to Plan F, but you pay the Medicare Part B deductible yourself. It also includes foreign travel emergency care.
Plan M: This plan includes foreign travel emergency coverage.
Plan N: Plan N covers foreign travel emergencies as well.
How Does Foreign Travel Coverage Work?
If you have one of these Medigap plans, here’s how the foreign travel coverage works:

Coverage Starts: The coverage begins during the first 60 days of your trip. This means if you need emergency medical care within the first two months of your travel, your Medigap plan can help.
Deductible: You must pay a $250 deductible before the Medigap plan starts to pay.
Coverage Amount: The plan covers 80% of the billed charges for certain medically necessary emergency care after you meet the deductible.

Lifetime Limit: There is a lifetime limit of $50,000 for foreign travel emergency coverage. This means once the plan has paid $50,000 for foreign travel emergencies, you will need to cover any additional costs yourself.

Tips for Using Your Medigap Plan Abroad

Here are some tips to make sure you’re covered when you travel abroad:

Check Your Plan: Before you travel, check to make sure your Medigap plan includes foreign travel emergency coverage. If you’re unsure, contact your insurance company or check your policy documents.

Know Your Benefits: Understand what your plan covers and how much you will need to pay out of pocket. Remember the $250 deductible and the 80% coverage after that.

Carry Important Documents: Bring your Medigap card and any important insurance documents with you. It’s also a good idea to have contact information for your insurance company.

Find Medical Care: Know how to find medical care in the country you’re visiting. This can include knowing the locations of nearby hospitals or clinics.

Keep Records: If you need medical care abroad, keep detailed records and receipts. You will need these when you file a claim with your insurance company.

Contact Your Insurance: If you receive emergency medical care, contact your insurance company as soon as possible to inform them and get instructions on what to do next.

Alternatives and Additional Coverage
If you travel frequently or want more comprehensive coverage, consider these options:

Travel Insurance: Travel insurance can provide additional coverage for medical emergencies, trip cancellations, lost luggage, and more. It can be a good supplement to your Medigap plan.
Check Credit Cards: Some credit cards offer travel insurance benefits, including medical emergency coverage. Check with your credit card provider to see what’s available.
International Health Plans: For extended stays or frequent travel, consider international health insurance plans. These plans are designed specifically for people who spend a lot of time outside their home country.


Traveling abroad is exciting, but it’s important to be prepared for unexpected medical emergencies. Some Medigap plans offer foreign travel emergency coverage, which can be very helpful in case you need medical care while outside the United States. Plans C, D, F, G, M, and N all provide this coverage, but it comes with a $250 deductible and covers 80% of the costs up to a $50,000 lifetime limit.

Before you travel, check your Medigap plan, understand your benefits, and consider additional travel insurance for extra peace of mind. With the right preparation, you can enjoy your travels knowing you’re covered in case of an emergency. Safe travels!

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