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Decision: unknown

 
The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
The rules say that items and services furnished outside the United States are excluded from coverage except for 
the following services, and certain services rendered on board a ship: 
- Emergency inpatient hospital services where the emergency occurred: 
~ While the beneficiary was physically present in the United States; or 
~ In Canada while the beneficiary was traveling without reasonable delay and by the most direct 
route between Alaska and another State. 
- Emergency or nonemergency inpatient hospital services furnished by a hospital located outside the 
United States, if the hospital was closer to, or substantially more accessible from, the beneficiary's 
United States residence than the nearest participating United States hospital which was adequately 
equipped to deal with and available to provide treatment of the illness or injury; 
- Physician and ambulance services furnished in connection with a covered foreign hospitalization. 
Program payment may not be made for any other Part B medical and other health services, including 
outpatient services furnished outside the United States; - Services rendered on board a ship in a United States port, or within 6 hours of when the ship arrived at, 
or departed from, a United States port, are considered to have been furnished in United States territorial 
waters. Services not furnished in a United States port, or within 6 hours of when the ship arrived at, or 
departed from, a United States port, are considered to have been furnished outside United States 
territorial waters, even if the ship is of United States registry; and 
 
The term "United States" means the 50 States, the District of Columbia, the Commonwealth of Puerto Rico, the 
Virgin Islands, Guam, the Northern Mariana Islands, American Samoa and, for purposes of services rendered 
on a ship, includes the territorial waters adjoining the land areas of the United States. You can find these rules 
in Medicare Benefit Policy Manual Chapter 16, Section 60. 
 
The rules say that a Medicare Plan is financially responsible for emergency services regardless of whether the 
services are obtained within or outside the Plan. Emergency services are covered whether there is prior 
authorization for the services. An emergency is defined as when a person would believe that without immediate 
medical attention there would be serious jeopardy to his or her health. You can find this rule at 42 CFR Section 
422.113(b). 
 
The rules say a health plan must disclose to its enrollees in clear, accurate terms all cost sharing information 
(such as copayments, deductibles and coinsurance). You can find this rule at 42 CFR Section 422.111(a) and 
(b). 
 
The rules say that a copayment is a fixed amount charged to an enrollee on a per-service basis. The rules say 
that coinsurance is a fixed percentage of the total amount paid for a health care service that can be charged to 
an enrollee on a per-service basis. You can find this rule at 42 CFR Section 422.2. 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com. 
 
The Plan contract says that the Plan covers items and services in accordance with Medicare rules. The Plan 
contract says that the Plan covers worldwide emergency and urgent care services outside of the United States, 
limited to a $25,000 combined maximum per calendar year benefit which does not include coverage of 
emergency transportation services. The Plan covers the same emergency services (except for transportation) 
whether you receive them inside or outside the United States and its territories. You may be required to pay 
100% of the charges at the time services are rendered when received outside of the United States and its 
territories. You may then submit your claims for reimbursement consideration. Proof of payment, translations, 
and currency conversions will be required with the claim submission. You can find this information in Chapter 
3 on page 54 of the Plans 2022 Evidence of Coverage. 
 
The Plan contract says that enrollees must pay $125 copayment for covered emergency services received 
outside the United States and its territories. You can find this information in Chapter 4 on page 82 of the Plans 
2022 Evidence of Coverage.