Medicare and Expats: What You Need to Know

Navigating Medicare while living overseas can be complex, but understanding the basics can help you make informed decisions. This guide covers everything expats and frequent travelers need to know about Medicare eligibility, enrollment, coverage limitations, and key considerations.

Understanding Medicare

Medicare is a federal health insurance program available primarily to individuals aged 65 and older, as well as some younger individuals with disabilities or specific medical conditions. It consists of four parts:

• Part A: Hospital insurance

• Part B: Medical insurance

• Part C: Medicare Advantage Plans

• Part D: Prescription drug coverage

For expats, determining whether to enroll in Medicare depends on factors like how often you visit the U.S., whether you plan to return permanently, and your healthcare needs while living abroad.

Medicare Does Not Cover Healthcare Outside the U.S.

Medicare generally does not provide coverage for medical care received outside the U.S., except in very limited circumstances.

Maintaining Part A & Part B

Expats should consider enrolling in Part A, as it is typically premium-free for those who have worked and paid Medicare taxes for at least 10 years. Part B, however, requires a monthly premium and may be unnecessary if you have other healthcare coverage abroad.

Late Enrollment Penalties

If you do not enroll in Part B when first eligible and decide to enroll later, you may have to pay a late enrollment penalty. The penalty increases the longer you delay enrollment.

Medicare Supplement (Medigap) & Medicare Advantage Plans

These plans require both Part A and Part B enrollment. However, since Medicare generally does not cover healthcare overseas, these plans may not be useful unless you frequently visit the U.S.

Medicare Part D (Prescription Drug Coverage)

Part D plans also require U.S. residency. Expats who return to the U.S. and wish to enroll in a Part D plan must do so within a Special Enrollment Period (SEP) to avoid penalties.

Editor’s Note: This message is NOT approved, endorsed, or authorized by Medicare. All information regarding Medicare discussed or mentioned here is available for free from Medicare.

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