Are expats eligible for Medicare? Must I live in the US to get Medicare?
Can I get Medicare when I permanently moved outside the U.S.? If you are living permanently outside the United States as a U.S. citizen or legal resident, you might have restrictions when it comes to applying for Medicare.
Medicare is a U.S. government healthcare program primarily designed for U.S. citizens and legal residents aged 65 and older, as well as certain younger persons with disabilities. Medicare Part A (Hospital Insurance) is generally available to all individuals who are age 65 or older, or are disabled, or have End-Stage Renal Disease (ESRD). Medicare Part B (Doctor’s visits, outpatient care and covered medical equipment) is voluntary, and you must meet specific requirements in order to enroll.
Everyone who is eligible for premium-free Part A is also eligible to enroll in Part B (Medical Insurance). Individuals who must pay a premium for Part A however, must be a U.S. resident in order to enroll in Part B.
U.S. citizens living abroad may apply for and receive Social Security retirement benefits. They may also sign up for Medicare Part A when they turn 65 and first qualify for Medicare.
Does it make sense for an expat to sign up for Medicare?
Medicare generally does not cover health services outside the United States. While there is no Medicare coverage for individuals permanently living abroad, some Medicare Advantage (Part C) and Medigap (Medicare Supplement) plans may offer limited coverage for healthcare services received in foreign countries. You may also want to explore alternative healthcare coverage options, such as private international health insurance or any healthcare coverage provided by your employer or the country in which you are residing.
It’s essential to plan your healthcare coverage when living abroad, as Medicare may not be a viable option. Be sure to research and secure appropriate health insurance or coverage that meets your needs and is consistent with the laws and regulations of the country in which you are residing. If you have specific questions or unique circumstances, it’s advisable to consult with a qualified insurance professional or seek guidance from the U.S. Department of State or the U.S. Social Security Administration for more information on healthcare coverage while living abroad.
