I’m moving from my old retirement insurance to Medicare. Luckily, my former employer offers different group plans, like supplements and Advantage plans, and even covers my Part B premium. It’s a great help as I navigate this change.
I’ve decided on a Part B supplement from Anthem Blue Cross. It’s not an Advantage plan, which is important to me. This plan starts on January 1, 2026. A great feature is that it includes BCBS Global Core, especially since I love to travel.
Understanding BCBS Global Core
The BCBS Global Core policy is quite interesting. It covers 80% of services when I’m abroad, after a yearly deductible of either $50 or $100. This coverage is for the first six months I’m outside the US. So, it’s not for a permanent move, but it’s perfect for extended trips.
What I really like is that it’s not just for emergencies. It covers a lot more, which is a huge relief when traveling. I’m talking about preventive care, doctor visits, specialist appointments, and even outpatient surgery. It’s quite comprehensive.
It also includes diagnostics like X-rays, pathology, and laboratory services. If I ever need hospital inpatient care or an emergency room visit, that’s covered too. Things like chiropractic care, acupuncture, and rehab (both physical and occupational therapy) are also on the list. It makes me feel much more secure about traveling.
My Travel Plans and What’s Still Needed
Since I’m retired, I travel often and for long periods. I can be gone for months at a time, which is wonderful. Currently, I don’t plan to be out of the country for more than six months at once. But who knows what the future holds? If I ever do stay longer, I know I’ll need to look into local insurance options in that country. I’ve already done some preliminary research on that, just in case.
Right now, my main focus is finding something to cover the remaining 20% that my BCBS Global Core policy doesn’t. That 20% can add up, especially if something unexpected happens. I’m hoping to find a supplemental or secondary policy that works with what I already have.
Another thing I’m keen on is air ambulance coverage. That’s something I’ve heard about and it sounds incredibly practical, especially when you’re in a remote location. I’m hoping there’s a policy out there that can build on my existing coverage and include something like that.
It’s all about piecing together the right coverage so I can travel with peace of mind. The BCBS Global Core is a fantastic starting point, but getting that extra layer of protection would be ideal. I want to make sure I’m fully prepared for any health needs that might arise while I’m exploring the world.
Finding a plan that complements my current setup is key. I’m not looking to reinvent the wheel, rather just enhance what’s already there. The goal is seamless coverage, allowing me to enjoy my travels without constant worry about medical costs.
When considering options for that 20% gap, I learned about travel insurance policies that offer “secondary” coverage. These plans often kick in after your primary insurance (in my case, BCBS Global Core) has paid its share. This could be a good fit for bridging that gap.
Many comprehensive travel insurance plans also include benefits for emergency medical evacuation, which often covers air ambulance services. This is precisely what I’m looking for. It’s comforting to know that if a serious medical emergency were to occur in a foreign country, I could be transported to a facility better equipped to handle my needs, potentially even back home if necessary.
I also discovered that some credit cards offer travel insurance benefits, including emergency medical and evacuation coverage, if you use the card to book your travel. While these are often not as robust as dedicated travel insurance policies, they can provide an additional layer of protection. It’s definitely worth checking the fine print of my credit cards.
Another avenue I explored is finding policies specifically designed for expatriates or long-term travelers. While my current plan is for shorter trips, understanding these “expat health insurance” options gave me insight into how comprehensive global health coverage can be structured. This knowledge will be invaluable if my travel plans evolve in the future and I decide to stay abroad for longer than six months.
These expat plans often integrate quite seamlessly with existing Medicare Part B and supplemental plans for when you are back in the U.S., offering a continuous health safety net. They are usually more expensive but provide extensive benefits, including coverage for pre-existing conditions, which is not always standard in typical travel insurance.
For someone like me who frequently travels, it’s not just about covering emergencies. It’s also about having access to routine care and check-ups without worrying about significant out-of-pocket expenses. The 20% gap, even for a routine doctor’s visit, can add up quickly over several months abroad.
I learned that some travel insurance providers offer riders or add-ons that specifically address the deductible or co-insurance gap from primary plans. This sounds like an ideal solution for my situation, allowing me to customize a policy to fit my exact needs, rather than buying a whole new primary plan.
When researching these options, I paid close attention to the policy limits, exclusions, and the claims process. It’s crucial to understand what is covered and, more importantly, what isn’t. Some policies might have restrictions on certain activities or pre-existing conditions, so reading the fine print is paramount.
For example, exploring options like InsureMyTrip, TravelInsurance.com, or directly with providers like Allianz Travel Insurance and GeoBlue (often affiliated with Blue Cross Blue Shield) has been insightful. These platforms typically allow you to compare various plans side-by-side, making it easier to pinpoint a policy that aligns with my needs for secondary coverage and air ambulance services.
GeoBlue, given its affiliation, seems particularly promising for integrating with my BCBS Global Core. They specialize in international health insurance and travel medical insurance, so their plans are often designed to complement existing domestic health coverage.
Another consideration is the duration of coverage. Since I travel for extended periods, I need a policy that can cover multiple trips or offer an annual multi-trip plan. This simplifies the process, as I wouldn’t have to purchase a new policy for every single journey abroad.
The concept of “trip interruption” and “trip cancellation” insurance also came up in my research. While not directly related to medical expenses, these benefits can be invaluable if a medical emergency, either my own or a family member’s, forces me to cancel or cut short a trip. It’s a good add-on for overall travel protection.
Ultimately, the goal is to create a seamless safety net. My Anthem Blue Cross Part B supplement with BCBS Global Core provides a solid foundation. Layering a comprehensive travel insurance policy on top, one that specifically addresses the 20% gap and includes robust emergency medical evacuation, feels like the right strategy.
It’s about finding that sweet spot where I am adequately covered without overpaying for redundant services. The journey of understanding these various insurance products has been enlightening, and I feel much more prepared to make an informed decision for my future travels.
The peace of mind that comes with knowing I have comprehensive coverage, whether for a routine check-up in Europe or an unexpected medical emergency in Southeast Asia, is priceless. It truly allows me to enjoy my retirement travels to the fullest.
I also want to make sure I understand the claims process for any secondary or travel insurance policy I choose. Knowing how to file a claim, what documentation is required, and who to contact in an emergency is crucial. It’s one thing to have coverage, but another to be able to use it effectively when needed.
Many insurance providers now offer mobile apps or online portals for managing policies and filing claims, which can be incredibly convenient when you’re on the go. This digital access can make a significant difference, especially when dealing with time zone differences and limited access to traditional communication methods.
It’s also wise to check if the policy offers a 24/7 assistance line. In a medical emergency abroad, having immediate access to a support team that can help coordinate care, communicate with local medical facilities, and guide me through the next steps would be invaluable.
This entire process of transitioning to Medicare and supplementing it for international travel has been an education. It’s a lot to learn, but the benefits of being well-prepared are immeasurable. It ensures that my retirement years can be filled with adventure and exploration, rather than financial worries related to health.
I find it fascinating how interconnected these different insurance products can be. It’s not just about one policy; it’s about how they all work together to provide comprehensive protection. This holistic view is essential when crafting a personal insurance strategy for frequent international travel.
The prospect of finding the perfect blend of coverage is exciting. It means more worry-free trips, more memories, and the freedom to truly immerse myself in new cultures and experiences, knowing that my health is fully protected.
FAQ Section
What is Medicare Part B premium reimbursement?
Medicare Part B premium reimbursement is when an employer or former employer pays back some or all of the monthly premium you pay for Medicare Part B. This is a benefit offered by some employers, particularly in retirement packages, to help retirees manage their healthcare costs. It can significantly reduce the out-of-pocket expenses associated with Medicare.
How does BCBS Global Core work for international travel?
BCBS Global Core provides healthcare coverage for Blue Cross and Blue Shield members when traveling or living outside the United States. It allows you to find doctors and hospitals, as well as coordinate payment for medical services in many countries. Typically, it covers specific percentages of costs after deductibles, similar to how your plan works domestically, but it’s important to understand the specific terms of your policy regarding duration and covered services abroad.
What is the difference between a Medicare Supplement plan and a Medicare Advantage plan?
A Medicare Supplement plan (Medigap) works alongside Original Medicare (Parts A and B) to help cover out-of-pocket costs like deductibles, copayments, and coinsurance. You pay a separate premium for a Medigap plan. A Medicare Advantage plan (Part C) is an alternative to Original Medicare offered by private insurance companies. These plans cover all of your Part A and Part B benefits, and often include additional benefits like prescription drug coverage, vision, and dental, usually within a network of providers. Medicare Advantage plans can have different cost-sharing structures, such as copayments for services, and may have lower premiums but sometimes higher out-of-pocket maximums.
Why would someone need secondary insurance for international travel if they already have BCBS Global Core?
While BCBS Global Core offers significant coverage abroad, it might not cover 100% of costs. Many policies, like the one described, cover 80% after a deductible, leaving a 20% gap. Secondary travel insurance can cover this remaining 20% or other costs such as deductibles, as well as provide additional benefits not included in BCBS Global Core, such as emergency medical evacuation (air ambulance), trip cancellation/interruption, and lost luggage. It acts as an extra layer of financial protection and expands the scope of covered services.
What should I look for in an air ambulance or emergency medical evacuation coverage?
When seeking air ambulance or emergency medical evacuation coverage, look for high policy limits, as these services can be extremely expensive. Ensure the policy covers transportation to the nearest appropriate medical facility, or even back to your home country if medically necessary. Check for any exclusions related to pre-existing conditions, adventure sports, or specific countries. Also, verify if the service is coordinated directly by the insurance provider or if you need to pay upfront and seek reimbursement. A 24/7 emergency assistance line is a crucial feature to ensure prompt coordination during a crisis.
References List
Medicare.gov
Blue Cross Blue Shield Association
Anthem Blue Cross
Centers for Medicare & Medicaid Services
National Association of Insurance Commissioners
World Health Organization
U.S. Department of State: International Travel
Call to Action
Are you transitioning to Medicare or planning extensive international travels in retirement? Don’t leave your health coverage to chance. Explore your options for supplemental travel insurance to bridge any gaps in your existing plan, especially the critical 20% not covered by your primary insurance. Research policies that offer robust emergency medical evacuation benefits, ensuring you’re prepared for any unforeseen circumstance. Visit Medicare.gov to understand your foundational Medicare benefits, and then delve into specialized travel insurance providers like GeoBlue or evaluate comprehensive platforms like InsureMyTrip to compare and customize the perfect coverage for your global adventures. Take control of your healthcare security abroad today – your peace of mind is worth it.</p
