Introduction
Dreaming of a road trip? Planning to visit family out of state or maybe even out of the country? Before you pack your bags, it’s smart to understand how your Medicare coverage travels with you.
🌎 What’s Covered Inside the U.S.
- Original Medicare: Accepted nationwide by providers who take Medicare. No referrals needed.
- Medicare Advantage: Coverage varies. Emergency and urgent care are always covered, but regular care may be limited to your plan’s service area.
🌍 What About International Travel?
- Original Medicare: Does not cover healthcare outside the U.S.
- Medigap: Some plans (e.g., Plan G, N) offer limited foreign travel emergency coverage.
- Medicare Advantage: Some plans may include global emergency benefits, but it varies widely.
✈️ What to Do Before You Go
- Call your plan and ask how coverage works where you’re going.
- Ask about prior authorizations, reimbursement rules, and provider networks.
- Carry a printed copy of your insurance card and medication list.
- Consider travel insurance for international trips.
🧳 Tips for Snowbirds and Long-Term Travelers
- PPO Advantage plans may offer more out-of-area flexibility than HMOs
- You may qualify for a Special Enrollment Period if you move permanently
- Always report address changes to Social Security and your insurance carrier
Conclusion
Medicare can follow you across the country but not always across borders. Know before you go. If you’re not sure whether your current plan supports your travel goals, speak with a licensed agent at TxMedSolutions. We’ll help you explore coverage that fits your lifestyle.
