Do I Need Medicare When Living Abroad?

When you are a U.S. citizen and live overseas before Medicare age, you might be wondering, "Do I need Medicare when living abroad?" Many people aren’t sure if they need Medicare while living in another country. Keep watching as we unfold everything there is to know about Medicare when living overseas!

Start (0:00)
Enrolling in Medicare when living abroad (0:34)
Do I need to enroll in Medicare Part B while living overseas? (1:39)
How you can delay your Medicare enrollment (2:46)
What if I am returning to the U.S.? (4:36)

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[WylieCoyoteTX]

Thanks for putting this together, a good resource to reference when trying to decide on temporarily living the expat life when newly retired.

[puravida]

Like everything else in the U.S. Medicare is profit driven. And, becomes more expensive each year, for those that need it most, with the lowest income. I am a permanent resident of Costa Rica, and enrolled in their national healthcare system. My monthly fee is $40.00. Which covers dental, tests, all medical procedures and examinations, medications, doctor visits, and ambulance service. In short, everything, at a very reasonable cost!

[ErikBlair]

Everything in the United States is unnecessarily overcomplicated, making it not worth the hassle.

[GM-wfel]

Social security recipients are paid regardless of where they live. Would be nice if Medicare would just pay overseas recipients a fixed amount on a regular basis just like Social security. If the cost medical services is below the fixed amount, then recipients can keep the diff. Otherwise the recipients will be responsible for the diff. No need to process claims which greatly reduces fraud and paperworks. US usually has higher medical cost than most countries. This will allow Americans to retire wherever they want to.🙂

[tinabraxton]

I have dual citizenship and will never go back. So I never enrolled in Medicare. I get good healthcare where I am. Better than I ever had in the States.

[drdr]

I paid into Medicare all my life. Now, at 65 and living in Thailand, they want me to pay $200/month for Medicare? I cannot afford something I can not use. If it were a real service, Medicare would cover our care when we are abroad.

[bookmagicroe]

My husband had Medicare Part A and B plus a gap plan. He lives here in the US, but was on a business trip when he came down with
appendicitis and had surgery in Amsterdam. We learned then, that Medicare doesn't cover you overseas. Luckily, the gap plan covered. That
was his experience about 10 years ago.

[billytheweasel]

Wow, everything says I need to enroll in part A before 65, but I’ve been getting social security benefits since 62.5 years old. Thanks!

[marcryan]

"Depend on the Social Security Representative" that is a Understatement. If something is Suspicious call several times and then call Boomer Benefits. $50, 000 limit on Over Sea health care, an Air Ambulance can cost that. How about a Video on Over Sea Health Insurance when Traveling?

[jannarkiewicz]

Greetings from Manila :-) I have 7 years to go but hey... Better to learn early.

[SingleMalt]

Let's say I retire overseas and I am enrolled in Part A and Part B and have no creditable coverage. Will they cover me while I live abroad? Or, if I have coverage living in the USA but take a vacation to Europe, will they cover me?

[francismartin]

Is the Veterans Administration a medical coverage instead of meficare A and B. I dont want to pay for medicare if i dobt use it.

[nylimoman]

i'm in the usa now age 66 getting social security beneifts & enrolled in medicare A & B & advantage plan since 65. I'm planning on moving to Thailand. Do I still need to keep my Medicare A, B, advantage plans?

[stuharris]

I thought Medicare does not pay for any medical expenses outside the US. I have Medicare Part A and my understanding is that it would not pay anything for a hospital stay or major medical expense here in Thailand.

[johnclark]

Question: some expats live full time in another country after retirement and no longer have a residential address in the US. Do you have to maintain a US address to receive Medicare benifits while living abroad? If so are you only reimbursed after paying the bills upfront?

[chipsellarole]

Thank you for this. Question, The Netherlands makes you buy their national plan/ full coverage when you start living there, will I still have to pay for Part B?

[rustyyb]

@ 5:00 "when you return" from being away from the U.S.. ... How do you officially change your status from "away" to "returned"?

[mvp]

Can you keep your Medigap plan if you go overseas, just in case you decide to return? Because Medicare A & B wihtout a Medigap is not very good.

[SilkeLike]

Can you explain why there is a enrollment delay penalty?

[markgold]

What about if your spouse is working and you get insurance through their job?