2025
Free
Medicare Abroad Guide
Medicare generally does NOT cover healthcare outside the US. Understand your coverage options, late enrollment penalty risks, and how to plan healthcare costs as a US citizen living abroad.
Your situation
Medicare analysis
Medicare eligibility age
65
Part B premium (2025)
$185.00/mo
Late enrollment penalty
0%
Monthly penalty cost
$0
Coverage outside the US
Medicare Part A (hospital)Not covered abroad — except in very limited emergency situations near US border (Canada/Mexico within some distance)
Medicare Part B (medical)Not covered abroad — US outpatient care only
Medicare Part C (Advantage)Not covered abroad — US HMO/PPO network only
Medicare Part D (prescriptions)Not covered abroad
Medigap (supplement)Limited coverage — some Medigap plans (C, D, F, G, M, N) cover 80% of medically necessary emergency care abroad with $250 deductible and $50,000 lifetime maximum