Question:
Are there medical only travel insurance plans that provide primary coverage for travelers on Medicare? Perhaps as an additional option? My Medicare Advantage insurance does not insure me when I am traveling out of the US. I do not want to wait until a claim is rejected by my insurer & then forwarded to an insurance company as a secondary policy. Thank you.- Roberta,03/19/2024
Answer:
Yes, you can obtain a single trip medical policy when traveling outside of your home country, even if you are on Medicare or have no other primary coverage when traveling. Please fill out the quote form on our home page, www.insuremytrip.com with your trip details and once you arrive on the results page, please click on the “International Medical” filter on the left side of the page. The single trip medical plans provide both medical and medical evacuation coverage for unforeseen illnesses and accidental injuries not related to pre-existing medical conditions when traveling outside of your home country.
Question:
I currently don't have medical insurance. if I buy a travel insurance plan with secondary coverage, will they deny me since I don't have a primary coverage?- BenH,03/27/2019
Answer:
If you have no primary health insurance, you would inform the insurance company of this at the time of the claim. The secondary coverage will essentially act as primary, it does not require you to have primary coverage unless it is mentioned on the quote or in the policy certificate.
Question:
I have a medicare supplement for only 60 days of my 90 day trip. Will this secondary insurance cover me during that final 30 days?- JanM,03/15/2017
Answer:
The coverage will apply during the entire duration of the trip, not just the final 30 days, please keep in mind. Primary coverage will pay FIRST, before any other collectible insurance. Secondary coverage will pay you after any other Primary collectible insurance has paid the claim and the Primary policy's limits have been exhausted.
Question:
If you are on Medicare, how does insurance cover?- DarleneS,04/09/2014
Answer:
An important fact to keep in mind is that Medicare is considered your Primary health insurance whether they cover you or not. Therefore, when considering a travel insurance policy, you will want to pay extra attention to the type of medical benefit it will provide. If you purchase a policy with Secondary medical coverage and need to file a claim, the travel insurance will still require you to file a claim through Medicare first. Since they will not cover, Medicare will provide a denial letter simply to show that they are not paying your medical claim. You would then be able to file through the travel insurance. With this in mind, it may be more convenient to consider a travel insurance policy with Primary medical coverage, which will save you the time and hassle of filing through Medicare first.