Foreign Travel and Medicare

[jemelton]

So I have a client that needs a med supp but is going to be in Central America for 6 months...I have read that Medicare does not generally cover claims outside the US and that foreign travel emergency is for the first 60 days of the trip.

Is there a travel insurance I can sell them or I can guide them to for care in a foreign country? Thanks in advance.

 

[goillini52]

So I have a client that needs a med supp but is going to be in Central America for 6 months...I have read that Medicare does not generally cover claims outside the US and that foreign travel emergency is for the first 60 days of the trip.

Is there a travel insurance I can sell them or I can guide them to for care in a foreign country? Thanks in advance.

Petersen International Underwriters - Lloyd's of London Coverholders Try this.

 

[insuranceconceptscindy]

Plan F gives them $50,000 of international coverage with a $250 deductible. It's a reimbursement situation, so they'll need to have bills translated, etc. I've helped with a couple of claims, most carriers make it easy for you.
Having an additional travel policy on top is good too. I use Seven Corners.

 

[somarco]

The $50k foreign travel benefit isn't worth much. Offer them an international medical plan. Dirt cheap (even for a 6 month plan). Much better than hoping the Medigap pays off.

 

[WCMason]

Plan F gives them $50,000 of international coverage with a $250 deductible. It's a reimbursement situation, so they'll need to have bills translated, etc. I've helped with a couple of claims, most carriers make it easy for you. Having an additional travel policy on top is good too. I use Seven Corners.

In addition to F, plans C, D, G, M, and N provide the same foreign travel emergency health care coverage. Those who have off the market plans E, H, I, and J also provide foreign travel emergency coverage. Wouldn't want anyone new to the business believing F was anything special regarding this benefit.

 

[kgmom219]

Are you trying to get coverage for emergencies in Central America? Where they go to hospital in that country, receive treatment and then get reimbursement?

That's a Medicare Supp issue. Pick one.

OR are you trying to get them coverage so they are flown back to the United States for emergency coverage? I use MedJet Assist for that.

 

[goillini52]

Are you trying to get coverage for emergencies in Central America? Where they go to hospital in that country, receive treatment and then get reimbursement?

That's a Medicare Supp issue. Pick one.

OR are you trying to get them coverage so they are flown back to the United States for emergency coverage? I use MedJet Assist for that.

He said they'll be gone for 6 months. The supplement is only good for 60 days.

 

[kgmom219]

He said they'll be gone for 6 months. The supplement is only good for 60 days.

I learned something today! Thanks Golinni!

Medjet assist FTW

 

[BobbyMcGee]

I spent 5 mos. in Panama City, Panama a few years ago. Had health ins. with a Co. called Pan American Life or something similar. Bought it thru a broker (Patty somebody, US expat) after I got there. Very similar system to US with co-pays and coinsurance. Good Docs and Hospitals. Johns Hopkins is one. It was really cheap, maybe 100-120 a month for a 60 yr. old. Take the 60 days and shop around. You do have to establish an address of some kind.

 

[somarco]

International travel medical is much more than med evac (which can run several thousand). I had a client a few years ago that got deathly ill in the Amazon. Bills ran over $250k including evac to a local hospital, several weeks there to stabilize, plus air ambulance back to the states. Translation of medical records was $8k.

You want something good that will pay. Most of these type plans have a lot of gotcha's. Don't just shop on price.