Medigap and Travel: Understanding Coverage While Traveling Within and Outside the United States

Medigap policies, also known as Medicare Supplement Insurance, provide additional coverage to fill the gaps in Original Medicare. While these policies provide comprehensive coverage for healthcare expenses within the United States, many people are unclear about their coverage when traveling abroad. In this article, we will discuss the options for Medigap coverage while traveling within and outside the United States.

Travel Within the United States

If you have a Medigap policy, you can use your coverage anywhere within the United States. This means that if you travel to another state and need medical attention, your Medigap policy will cover your healthcare expenses just as it would if you were in your home state.

However, it’s important to check if the healthcare provider you plan to visit accepts Medicare assignments. If the provider doesn’t accept Medicare assignments, they may charge you more than the Medicare-approved amount for the services they provide. In this case, you may be responsible for the excess charges that exceed the Medicare-approved amount.

Travel Outside the United States

If you plan to travel outside the United States, your Medigap policy may not cover your healthcare expenses. While some Medigap plans offer limited coverage for emergency healthcare services received outside the United States, most do not.

If your Medigap policy doesn’t cover healthcare expenses incurred outside the United States, you may need to consider purchasing a separate travel medical insurance policy. These policies can help cover emergency healthcare expenses, including hospitalization, medical transportation, and emergency evacuation.

Alternatively, some Medicare Advantage plans offer worldwide coverage for emergency healthcare services. These plans are similar to Medigap policies in that they provide additional coverage beyond Original Medicare. However, they may have different rules and restrictions than Medigap policies, so it’s essential to understand the terms and conditions of the plan before purchasing.

Things to Consider When Purchasing Travel Medical Insurance

When purchasing travel medical insurance, consider the following factors:

  1. Coverage Limits: Check the policy’s coverage limits for medical expenses, medical evacuation, and repatriation. Ensure that the coverage limits are sufficient to cover your healthcare needs while traveling.
  2. Pre-Existing Conditions: Some travel medical insurance policies exclude coverage for pre-existing conditions. If you have a pre-existing condition, ensure that the policy covers it.
  3. Trip Duration: Check the policy’s maximum trip duration. Some policies may have restrictions on the duration of the trip they cover.
  4. Adventure Activities: If you plan to participate in adventure activities, such as scuba diving or rock climbing, ensure that the policy covers these activities.
  5. Premiums: Compare the premiums of different policies to find one that fits your budget.


While Medigap policies offer comprehensive coverage for healthcare expenses within the United States, they may not cover expenses incurred outside the country. If you plan to travel outside the United States, consider purchasing a separate travel medical insurance policy. Ensure that the policy covers your healthcare needs, including any pre-existing conditions or adventure activities you plan to participate in. By understanding your Medigap coverage options while traveling, you can ensure that you have the necessary coverage for your healthcare needs.