Medicare Stops At The Border

I just had my 65th birthday, and was able to take a few days off to ease the pain – lol. My husband and I traveled to Costa Rica for some much needed R & R and to explore wildlife photography opportunities….which brings me to the topic at hand.

In the excitement of planning a trip, maybe just a weekend in Rocky Point, it is hard to remember everything. Even avid list-makers, like me, can forget critical things, like bug spray. If there is one thing that should be at (or near) the top of your list, it should be foreign medical travel insurance.

For those of us with Medicare Advantage plans, Medicare stops at the border…this means that once you cross outside the boundaries of the United States, you have no medical coverage. Those with Medicare Supplement plans do have a limited amount of lifetime coverage, but there is a separate deductible, and may only reimburse you upon return, not provide coverage while away.
These policies are not expensive (relatively speaking) and are well worth it for peace of mind. Here is an example of what we took:

I’m 65 and my husband is 68. We each took a policy for exactly the number of days we were gone, in this case 7. The policy covered pre-existing conditions, injury, sickness, accidents, medical evacuation and repatriation expenses. Maximum benefit for each person was $500,000 with a $100.00 deductible. The total cost, for both policies, was $104.64.

The policies I offer are through Blue Cross Blue Shield Geo Blue, and are valid for varying lengths of time, with multiple options for benefit amounts and deductibles.

If you are planning a trip this summer, which will take you outside the US, please contact me for a quote.