Healthcare

Medicare provides virtually no coverage outside the United States, making international health insurance essential for American expats. Even if you remain enrolled in Medicare, you'll need private coverage for any medical expenses incurred abroad. Expat health insurance differs from travel insurance—it functions like a traditional health plan, covering doctor visits, hospital stays, prescriptions, and often preventive care. Many policies include worldwide coverage, medical evacuation, and access to private hospitals. Costs vary significantly based on age, coverage level, and destination. The financial stakes are high: a cardiac bypass in Singapore averages $180,000, cancer treatment in Germany can exceed $300,000 annually, and even a fractured femur in Switzerland often costs over $35,000. Without adequate coverage, medical emergencies abroad can be financially devastating.

Key Points

• 1Medicare does not cover medical expenses outside the US except in rare border emergencies
• 2Medigap plans C, D, F, G, M, and N cover some foreign emergency care (80% after $250 deductible, $50,000 lifetime max)
• 3Medicare Part D does not cover prescriptions purchased from international pharmacies
• 4Some countries offer public healthcare to legal residents after qualifying periods
• 5International health insurance costs vary widely based on age and coverage—expect $200-$800/month for comprehensive plans
• 6Medical evacuation coverage is critical—evacuation costs can exceed $100,000
• 7Pre-existing condition coverage varies significantly between insurers