Summer Traveling & Medicare: What Seniors Need to Know Before Hitting the Road
As summer heats up, many older adults are packing their bags—whether for a long-awaited vacation, a family visit, or simply to enjoy cooler weather in a different part of the country. But before you set off, it’s important to understand how Medicare works while you travel. Knowing what’s covered (and what’s not) can help you avoid unexpected bills and disruptions in care.
Travel Smart: Know Your Medicare Plan
Your Medicare coverage while traveling depends on what type of Medicare plan you have:
- Original Medicare (Parts A & B): You’re generally covered anywhere in the U.S. and its territories (including Puerto Rico, Guam, U.S. Virgin Islands, American Samoa, and the Northern Mariana Islands) as long as the provider accepts Medicare.
- Medicare Advantage (Part C): Coverage can vary depending on your plan. Some offer emergency-only coverage out of network, while others provide nationwide networks or travel benefits. Always check with your plan before you go.
4 Key Tips Before You Travel
- Check Coverage Rules for Your Destination
- If you’re staying in another state for more than a few weeks, make sure your plan offers access to providers in that area—or know what costs you’ll be responsible for.
- Bring Your Medicare Card and Plan Info
- Keep your red, white, and blue Medicare card with you, along with any insurance plan member cards. Also bring a list of your medications and doctors in case you need care on the go.
- Know What Counts as an Emergency
- Medicare Advantage plans must cover urgent and emergency care anywhere in the U.S., but non-urgent or routine care may not be covered outside your network.
- Ask About Travel Coverage or Visitor Programs
- Some Medicare Advantage plans offer travel or “visitor” programs that give you temporary access to provider networks in another area. Ask your insurance agent what options are available.
What About International Travel?
Original Medicare generally does not cover care outside the U.S., but certain Medicare Supplement (Medigap) and Medicare Advantage plans may provide emergency coverage abroad.
Don’t Let Coverage Gaps Ruin Your Trip
Before you hit the road:
- Call your insurance agent or the phone number on the back of your insurance card.
- Review your Evidence of Coverage.
- Ask about telehealth options in case you need care remotely.
With a little preparation, you can relax and enjoy your summer adventures with peace of mind, knowing your healthcare is covered wherever you go.
Questions About Your Coverage?
Your insurance agent or member services can help you review your specific benefits and guide you through any travel-related steps you may need to take. Safe travels! ✈️🌴