Many people plan to spend retirement traveling, so it’s important to understand what your Medicare plan does (and doesn’t) cover. When it comes to travel, both within the U.S. and internationally, each plan differs. Learn more about your options below.
Medicare Coverage While Traveling
If you have Original Medicare—Medicare Part A and Medicare Part B—you should have coverage anywhere in the U.S. and its territories. Some Medicare Advantage Plans, also known as Medicare Part C, will include this broad range of coverage, but some will only cover care inside your service area. Additionally, there are some Medicare Advantage Plans that will provide coverage to providers out-of-network or out of your service area, but often at a higher copayment or coinsurance cost. It should be noted that Medicare Advantage Plans are required to cover emergency and urgent care anywhere in the U.S. without imposing additional costs or coverage rules.
Medicare Supplement Plans (Medigap) Coverage While Traveling
A Medicare Supplement Insurance plan—also known as Medigap Insurance—is optional insurance that can help fill coverage gaps. If you intend to travel internationally during retirement, it might be worth looking at your Medigap policy options, as some do provide coverage for travel abroad. Original Medicare and Medicare Advantage Plans, however, should cover the following circumstances outside of the U.S.:
- You’re in the U.S. when a medical emergency occurs that requires immediate medical attention to prevent a disability or death, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.
- You’re traveling through Canada without unreasonable delay by the most direct route between Alaska and another state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency.
- You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.
Learn more about Medicare and your coverage options when traveling with SelectQuote.
Retirement should be a time for you to enjoy, and if traveling is one of your preferred plans, you’ll want to ensure your Medicare coverage can go with you. We can help you compare the options available to you in just minutes, helping you find the coverage and rate that’s right for you. The service is free and there’s no obligation to enroll.