In almost all cases, Medicare does not cover medical care outside the United States. A few Medigap plans include limited emergency coverage abroad, but this benefit is reimbursement-based, which means you must pay upfront and then file a claim for partial reimbursement later. Cost-sharing and strict limits apply (typically up to a $50,000 lifetime maximum and 80% reimbursement after a deductible).

An international health plan provides direct coverage abroad, avoiding large out-of-pocket payments or reimbursement limits.

Yes. Most global policies are portable and follow you across borders.

No. You should still enroll in Medicare when eligible, and maintain your Medicare, to avoid penalties. Medicare covers you in the U.S.; your international plan covers you abroad.

It depends on the insurer, plan type, and your country of residence. Some plans cover pre-existing conditions after underwriting or a waiting period. We’ll help guide you to a compliant option that aligns with your medical history and visa requirements.

Possibly. Many insurers have age limits for new applicants on expat Medical plans. Applicants over the maximum age can sometimes qualify through specific senior plans, but underwriting is stricter. Certain chronic or serious conditions may affect premiums or eligibility. We’ll guide you to the carriers most receptive to your profile.