Don't cruise if medicare is your only health insurance

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May 15, 2018
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#1
I was told that if medicare is your primary health insurance, you won't be covered if you are more that 6 hours outside our border. I have secondary insurance. It is Indecs of Orange county, ny. I have emailed them to see if they cover me? So far, no response. If they say no, what are my options. Thanks.
 

johnbaker

Verified Member
Oct 2, 2014
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#2
@tenniseleven If it was me, I'd buy a travel insurance policy with medical benefits. I'm not covered by Medicare but I always purchase a policy that had primary health insurance benefits in addition to all of the travel benefits.

To coin the old phrase "Don't leave home without it"
 

Carrie Livingston

Moderator
Staff Member
Advocate
Jan 6, 2015
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#3
If you are travelling outside of the US and a US resident (I'm stating the obvious) then Medicare generally will not cover you. There are some Medicare add-ons/policies (I don't know the lingo) that do cover outside the US but that is based on the insurer. You should purchase travel insurance that includes health insurance as primary to make sure you are covered if you are in an accident outside of the covered territory.