How It Works 

• If you receive emergency or urgently needed services outside of the U.S. or its territories, you generally will be required to pay the bill at the time you receive the services. Most foreign providers are not eligible to receive reimbursement directly from Medicare or Elite Health Plan, nor will they accept reimbursement from Medicare or Elite Health Plan and will ask you to pay for the services directly.

• Ask for a written, detailed bill or receipt showing the specific services provided to you. Send a copy of the itemized bill or an itemized receipt for us to reimburse you for the covered services at the Original Medicare reimbursement rates less any cost sharing for services you received.

• You should be prepared to assist us in obtaining any additional information necessary to properly process your request for reimbursement, including medical records.

• Of note: a medical travel insurance policy may protect you from paying higher out-of-pocket medical expenses for services not covered by your health plan and cover unforeseen medical expenses incurred while traveling internationally. It is encouraged to purchase a medical travel insurance policy prior to traveling outside of the country.