Original Medicare covers you in the United States of America, including the District of Columbia, Guam, U.S. Virgins Islands, Puerto Rico, Northern Mariana Islands, and America Samoa. If you are going outside of these lands and/or overseas, for a majority of the time Medicare will not pay for the health services or supplies. There are some rare occasions where Medicare will cover your service or supplies. An example of the rare occasions where Medicare will cover your service or supplies is as the following: If your emergency happens in the United States of America but nearest hospital to treat you is in Canada or Mexico.
According to Medicare.gov “In some cases, Medicare may cover medically necessary health care services you get on board a ship within the territorial waters adjoining the land areas of the U.S. Medicare won’t pay for health care services you get when a ship is more than 6 hours away from a U.S. port. “ As you can see, understanding the boundaries, the loop holes and the safety net created by Medicare is best left to an expert to fully understand.
Many experts advise their clients to invest in travel insurance as a “just to get home” safety net. when you have travel insurance you will have coverage for things that aren’t an emergency. It’s reasonably priced, and a great asset to have to in your back pocket if you are a frequent traveler, particularly an international traveler. If you have an emergency under $50,000, Medigap is a great option for you. With Medigap you can go anywhere in the U.S. that accepts Medicare . Also most Medigap plans include foreign travel emergency coverage up to $50,000- but this coverage is meant to be reimbursed. For example, if you were hurt abroad, depending on the procedure needed you would either Medivac to the United States or receive treatment abroad. Either way, it would be your responsibility to pay for that procedure out of pocket, and then the insurance company will reimburse the claim. The Medigap covers 80% up to 50k, so you could still end up with a big bill.
So before setting sail, or boarding the plane, make sure you speak to your Medicare advisor and ask many questions. No one plans to have a medical emergency while on vacay, but it’s better to be proactive rather than reactive.
]]>Yes, at least, most likely. 98% of all doctors in the united states accept medicare. It is the bread and butter of most hospitals because seniors make up the majority of hospitalized patients.
If your doctor accepts medicare, your doctor will take medicare supplements!
Imagine medicare as a road with a bunch of pot holes. Medicare supplements is the tar that the road crews fill the road with. Once it’s added it just becomes part of medicare!
]]>Your initial enrollment period starts 3 months before your 65th birthday month and ends 3 months after. It lasts a total of 7 months. During that time you can switch to any plan you want to!
]]>The annual enrollment period for medicare is between October 15th and December 7th each year.
During this time you’re going to be able to do a few special things.
This a time where medicare is crazy busy and agents are very active.
Keep in mind, if you have a medicare supplement you are going to be able to change your medicare at any day and time.
If you have any questions, ask an agent at http://www.omegabenefit.org/
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