Medicare Supplement Plans and Travel: What You Need for International Coverage

Planning an international trip? Discover how Medicare Supplement Plans protect your health abroad. Get personalized Medicare help from Bourgeois Insurance in Thibodaux, LA.

Bourgeois Insurance Agency, LLC

Nestled in the scenic landscapes of southern Louisiana, Thibodaux offers visitors and residents a rich blend of history, culture, and southern charm. Known as the "Queen City of Lafourche," this thriving community boasts a vibrant atmosphere with a population of approximately 15,000 people. Despite its modest size, Thibodaux stands as a cultural hub in Lafourche Parish, seamlessly blending Cajun hospitality with modern living.

Thibodaux’s location along Bayou Lafourche offers picturesque waterways that make it a favorite among outdoor enthusiasts and photographers. The area is also steeped in history, home to Nichols State University and the E.D. White Historic Site, a preserved 19th-century plantation. Local attractions like Laurel Valley Village, one of the oldest sugarcane plantations in the South, further add to Thibodaux’s allure, connecting visitors to Louisiana’s deep-rooted agricultural legacy.

The city experiences a subtropical climate, making it warm for most of the year, with mild winters and hot, humid summers. Festivals such as the Thibodeauxville Fall Festival bring the community together annually, filling the streets with music, local crafts, and flavorful Cajun cuisine. It’s this unique mix of history, culture, and close-knit community values that make Thibodaux a standout destination in Louisiana.

For those who call Thibodaux home—or are simply passing through—it’s not just a wonderful place to live or visit. It’s a community where preparation meets peace of mind, especially when it comes to important decisions like choosing Medicare coverage. That’s where Bourgeois Insurance, your trusted Medicare Agency Louisiana, comes in with expert guidance to help you safeguard your health, home, and future. 

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Bourgeois Insurance in Thibodaux, LA: Your Local Agency

Traveling internationally is an exciting adventure, whether you're planning a European river cruise, a safari in Africa, or a relaxing beach getaway in the Caribbean. But before packing your bags, it's important to know how your health insurance will work while you're overseas—especially if you're enrolled in Medicare.

Here’s the key fact many seniors don’t realize: Original Medicare (Parts A and B) generally does not provide coverage outside of the United States, with only a few rare exceptions. These exceptions include emergencies occurring while traveling through Canada to Alaska or when aboard a cruise ship within six hours of a U.S. port. Beyond that, you’ll be responsible for any medical expenses incurred abroad unless you have additional coverage.

This is where Medicare Supplement Plans—also known as Medigap—step in to bridge that gap. These plans can offer significant peace of mind by covering emergency health care costs when you’re overseas. Choosing the right plan could make the difference between enjoying your travels worry-free or facing unexpected medical bills abroad. 



What Are Medicare Supplement Plans?

Medicare Supplement Plans, offered by private insurers like Bourgeois Insurance, are designed to work alongside Original Medicare to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments. These plans are standardized into different levels (Plan A, Plan G, Plan N, etc.), each offering a specific set of benefits.

For travelers, certain Medigap plans—specifically Plans C, D, F, G, M, and N—include coverage for emergency medical care outside the U.S. Typically, they cover 80% of medically necessary emergency care costs after you pay a $250 deductible, up to a lifetime limit of $50,000.

Having an experienced Medicare Insurance Agent by your side is crucial when selecting from these plans. With guidance from Price Bourgeois, the founder of Bourgeois Insurance and a seasoned Medicare Agent, residents of Thibodaux and beyond receive expert recommendations tailored to their travel needs and financial goals. 

Address

Bourgeois Insurance Agency, LLC
311 N Canal Blvd, Thibodaux
LA 70301

Phone Number : (985) 803-8999

Email : info@bourgeoisinsurance.com


Our Website : https://www.bourgeoisinsurance.com/

Medicare Agency Louisiana
847 LA-20, Thibodaux, LA 70301, USA

Why Medicare Advantage Plans Might Not Be Enough for Travelers

Many Medicare beneficiaries are enrolled in Medicare Advantage Plans (Part C), which often bundle hospital, medical, and prescription drug coverage into one convenient package. However, Medicare Advantage Plans typically have geographically restricted provider networks. While some plans may offer emergency coverage abroad, the terms can vary significantly depending on the insurer.

If extensive international travel is in your future, relying solely on a Medicare Advantage Plan may leave gaps in your coverage. Additionally, obtaining Medicare Help from a licensed Medicare Insurance Agency like Bourgeois Insurance ensures that you fully understand your plan’s benefits and limitations before you leave home.

Unlike Original Medicare combined with a Supplement Plan, Advantage Plans usually require you to work within their specified provider networks, potentially complicating claims if medical emergencies arise overseas. 

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The Process of Getting International Coverage with Medigap

Securing international coverage through Medicare Supplement Plans isn’t difficult, but it does require strategic planning. Most Medigap policies providing foreign travel emergency benefits operate under these general rules:

You must begin treatment for the emergency within 60 days of leaving the U.S.

The policy covers 80% of eligible emergency expenses after the $250 deductible.

There is a lifetime maximum benefit of $50,000 for foreign travel emergencies.

It’s worth noting that not every Medigap plan includes this benefit. Working with a trusted Medicare Insurance Agent helps ensure that you enroll in a plan like Plan G or Plan N, which includes overseas coverage. This personalized attention is part of what sets Bourgeois Insurance apart as a leading Medicare Agency Louisiana.

With personalized Medicare Enrollment Help Thibodaux, Bourgeois Insurance ensures clients understand not just their domestic benefits, but also how their plan performs internationally. From filing claims to understanding deductibles, their expert team makes the process seamless. 

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Supplemental Insurance vs. Travel Insurance: What’s the Difference?

While Medicare Supplement Plans provide emergency medical benefits abroad, they don’t cover other types of travel-related risks, such as trip cancellations, lost luggage, or evacuation for non-medical emergencies. For comprehensive protection, pairing your Medigap policy with a dedicated travel insurance plan may be the ideal solution.

Travel insurance often complements the overseas emergency coverage provided by your Medicare Supplement Plan. The combination provides robust financial protection, safeguarding both your health and your travel investment.

Fortunately, Bourgeois Insurance isn’t just a resource for Medicare Plans they can also assist with supplemental policies like travel insurance, critical illness plans, and more. Their personalized consultations can help you determine the best combination of coverage for your specific trip and overall peace of mind. 

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How to Get Medicare Enrollment Help in Thibodaux

Planning your Medicare coverage shouldn’t feel like deciphering a foreign language. That’s why Bourgeois Insurance offers specialized Medicare Enrollment Help Thibodaux for individuals looking to enhance their healthcare options, both domestically and abroad. Their dedicated team simplifies the enrollment process, breaking down complex terms into easy-to-understand recommendations.

Ready to take control of your Medicare benefits? Schedule a consultation with a licensed Medicare Agent today by calling (985) 803-8999 or visiting their Thibodaux office. With Bourgeois Insurance, you’re not just choosing a policy—you’re choosing a partner committed to your health, security, and future travels. 

Frequently Asked Questions

Bourgeois Insurance focuses on personalized, one-on-one guidance without confusing jargon or high-pressure sales tactics. Their local roots in Thibodaux ensure they understand the unique needs of Louisiana residents.

No. While Medicare is a specialty, they also assist with health, dental, vision, hearing, life insurance, annuities, and retirement planning.

There’s typically no direct cost to clients for Medicare services. Bourgeois Insurance is compensated by the insurance companies they represent, but their guidance remains unbiased and client-centered.

Absolutely. While based in Thibodaux, Bourgeois Insurance serves clients across Louisiana and even offers phone consultations for convenience.

Call them directly at (985) 803-8999 or visit their Thibodaux office for friendly, expert assistance.

Address
  • Bourgeois Insurance Agency, LLC
  • 311 N Canal Blvd Thibodaux,LA 70301
  • Ph: (985) 803-8999
  • E-mail: info@bourgeoisinsurance.com


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