Look closely at your Medicare Advantage policy to see if it covers medical expenses while out of the U.S. Original Medicare does not pay for medical care out of the country. Some supplemental policies to Original Medicare (AARP UHC, for instance), will reimburse up to 80% for medical care. That is the insurance company doing the reimbursing, not Medicare.
The best thing to do in this case is to buy a travel insurance policy in which medical coverage is primary, not secondary. That way, the insurance company will go after your Medigap company so you won't have to. Comprehensive travel policies also include medical evacuation. insuremytrip.com is a good one to deal with.
Last edited by Carla B; 02-01-2020 at 04:29 PM.
Reason: Clarification
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