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Original Medicare rarely covers healthcare abroad, except in specific situations.
These situations include emergencies near a foreign hospital or while on a cruise in US waters.
Medicare Advantage plans mostly don't cover international travel.
Some Advantage plans offer limited coverage like in-network foreign doctors.
Certain Medigap plans (C, D, G, M, N) cover emergency medical care abroad, but with limitations.
Medigap coverage requires meeting a deductible and has a lifetime maximum.
For broader travel medical coverage, consider travel insurance.
Travel insurance may be expensive for seniors and may exclude pre-existing conditions.
Explore Medicare Advantage plans with travel benefits (if available) or Medigap coverage (depending on eligibility).