When it comes to travelling, it is important to know that the health plan you are now on, might not be covering for it! This means, that when abroad, you will be left with paying for all kinds of expenses due to travel insurance. There is a good way of avoiding this, especially if you already know that you will be travelling. Enroll to a Medicare supplement plan and know that no matter what happens abroad, your Medicare supplement plan will cover for it!
Medicare part A and part B only cover for very limited cases of health care emergencies that happen outside of US border. In fact, when on US waters, you would get coverage only if the emergency occurs six hours away from the U.S, port. When by road, the coverage will only be accepted, if you were found near a border in the moment the emergency occurs. If the nearest hospital is in the country nearby, then you can freely visit that hospital, knowing that Medicare part A and B will cover for it. For any other cases, you are basically left on your own. Unless, you get a Medicare supplement plan!
While the Medicare supplement plans A, B and K also don´t cover for any expenses, all other seven Medicare plans do! You are free to choose between the Medicare supplement plan C, D, F, G L, M or N. Find a 2019 supplement plan at www.bestmedicaresupplementplans2019.com/ to save money
If you are only looking into a Medicare supplement plan that will cover travel insurance and nothing else, the supplement plans L, M or N might be the best choice for you. These all offer only a limited amount of additional benefits, apart from the travel insurance, which also means that the premium rates will be lower. Supplement plans C, F and G offer more benefits, with supplement plan F covering for all expenses. Therefore, these last Medicare supplement plans will also be more expensive.
You also need to make sure that you are enrolling to a Medicare supplement plan at the right time. Yes, there is a right time when it comes to Medicare. While you can enroll to it throughout the year, the premium rates might be higher. The lowest possible rates will be provided to you during your open enrollment. This is a period of six months, which starts when you turn 65. It is best to think about whether you need a supplement plan or not before this time runs out. When enrolling to a Medicare part A and B, you should also get a supplement plan, if you feel that this will be necessary for you financially. Unfortunately, in many cases, this is hard to predict and some make the mistake of believing that they will not need any health care, or only up to a limited amount. However, as many conditions cannot be foreseen, you might be left paying only for Medicare part A and B, which is cheaper short-term, but then receive an out-of-pocket amount that could be more than you can afford!