Those retirees need expert advice about Medicare enrollment to avoid potential missteps.
The Coverage Gaps
The Original Medicare Part A inpatient hospitalization plan and the Original Medicare Part B outpatient care and physician services plan generally do not cover medical services received outside the United States, with limited exceptions:
- Emergency care near U.S. borders, such as in Canada or Mexico.
- Medical care received onboard cruise ships within U.S. territorial waters.
- Certain emergencies during travel involving Alaska.
Despite these limitations, it is crucial even for Americans who move overseas to maintain Part A coverage while abroad, to avoid penalties if they return to the United States later.
