I have both Medicare (primary) and Tufts Total (secondary). Two questions: Does insurance cover anything if a patient goes overseas? And also, did I read correctly that Medicare now covers ADR if a patient is under 60 yrs old (I am assuming only if surgery is in U.S. --- but perhaps they cover it even outside of the U.S.).

Thank you.

In talking to a surgeon's office...yes medicare might cover your surgery if the local office determines it's medically necessary...but it's my understanding that nothing is happening yet because they are waiting for medicare to provide the proper codes or something.

My experience with contacting Medicare regarding authorization for European surgery resulted in Medicare stating they would not pay for anything outside of the U.S. unless the closest hospital for an emergency that happened in the U.S. was located in Canada or Mexico. In addition, Medicare will not authorize any surgery that has not been FDA approved.

I have Medicare parts A & B and had a supplemental insurance coverage with AARP (United Health Care).

There was a policy I could have opted for that was supposed to include coverage outside of the States, but I am not certain if it was just for emergency care or would have included other.. something to check into if one has not.

I found Medicare and AARP supplemental policy to be very good at medical care coverage (at least the supplemental plan I chose).