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I heard that medicare does not cover personnel on cruises? |
Travel Info I heard that medicare does not cover personnel on cruises? Travel Tips True. Medicare does not cover any medical expenses which will occured outside the USA. But a Medicare supplement (Medi-Gap) policy would, usually up to $50,000 lifetime. Others That's true of just about all health insurance coverage with few exceptions. This is one of the reasons I stress to my clients to take travel insurance. If you get sea sick on a cruise and need to go to the dr. on board. the visit could easily cost you $90+, especially if you receive medication. The same goes for needing medical attention while visiting a foreign country. You never know when you'll need medical attention while you're at home - why do people think they won't need medical attention when they're on vacation??? People are more likely to injure themselves while on vacation than at home - unfamiliar surroundings, new/different activities, etc. Travel insurance is a small price to pay and usually less than the cost of a visit to a doctor or hospital in a foreigh country. Medicare does not cover anything once you leave the country. Since you're going on a cruise why not take out cruise line insurance which usually runs less then 50 dollars per passenger.. I work at a travel agency and one of the insurance companies we offer when dealing with cruises is TravelSafe...they cover up to a million dollars but rates are based on age and cruise price... Medicare does not cover you outside of the U.S. Most medicare supplements will cover you (plans A & B do not, the rest do) - you pay a $250 deductible and then you pay 20% until you've paid a maximum of $12,500. Medicare Advantage plans cover you for emergency and urgent care worldwide; you just pay the co-pay of the plan. Independent Agent |
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