Medicare generally provides very limited coverage outside the United States. Before moving, obtain suitable insurance terms and verify access to the medical services you need in the actual destination.
Medicare is not your overseas health plan
Medicare generally does not pay for care outside the U.S., apart from limited exceptions. Some supplemental policies may provide limited foreign emergency coverage. Confirm your exact benefits and do not equate travel coverage with insurance for living abroad.
Get written quotes before relocating
Request eligibility by age, treatment of pre-existing conditions, renewal rules, deductibles, exclusions, hospital networks and direct billing. Ask whether coverage includes long-term residence, evacuation and care during U.S. visits.
Test the journey to care
Visit the hospital you expect to use. Check access to your specialists and medications, emergency capabilities and transport times during traffic or bad weather. Proximity on a map is only the beginning.
Prepare your continuity plan
Bring a medical summary, prescriptions and contact details. Ask your clinicians about legal medication access and continuity of care. Keep emergency funds available and arrange a person who can help if you are hospitalized.
Official references
Philippine Condominium Act ↗1987 Philippine Constitution ↗PRA: retirement visa ↗Medicare outside the U.S. ↗IRS: Americans abroad ↗DHSUD: project verification ↗U.S. State Department: Philippines ↗Put your retirement priorities in one place.
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