Traveling with Medicare – Are You Covered?

By RetireMEDiQ

During the summer months, many of us look forward to traveling with family and friends. We often speak with clients who question whether they will have coverage while traveling, especially in the case of an unforeseen emergency. It’s important to know what your Medicare plan covers just in case.

Domestic Travel

The good news is that for those with Original Medicare, medical services and supplies are covered when traveling in the U.S., which includes Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, and the Northern Mariana Islands.

Although Medicare plans vary, they each cover emergency and urgent care in the same way. Whether you use a Medicare Advantage plan or Original Medicare as your primary insurance, you are entitled to urgent care or emergency care anywhere in the United States. This type of care will always be considered “in-network” for you.

If you require follow-up care to an emergency or urgent care visit while traveling, your options are based on your plan. If you are out of your plan’s service area and your doctor certifies that you are unable to travel, your plan may continue to cover your care. However, if you are not in your plan’s network (this can be an issue on HMO plans), then you are responsible for traveling back to your plan’s service area to receive care if your doctor confirms you are physically able to travel. Because Medicare Supplements do not have a network, if you are on a Supplement plan, you can receive follow-up care wherever you are if the provider accepts Original Medicare.

International Travel

When it comes to travel outside of the U.S., in most cases, Medicare will not cover any health supplies or services you receive.

Some Medicare supplement plans include Foreign Travel Emergency coverage, which pays eighty percent of the Medicare-approved amount and up to a lifetime maximum benefit of $50,000. Certain Medicare Advantage plans cover emergency services when traveling outside of the U.S. and may include a lifetime limit. Transportation back to the US from another country is not included in this coverage.

Before traveling abroad, we recommend you review your Medicare plan to understand what it covers. Based on your situation, it may also make sense for you to consider options for a travel policy.

We are here for you!

If you have questions about your Medicare coverage as it relates to travel, contact us at 1-877-222-1942 or

If you are not a RetireMEDiQ client and have questions about retirement or Medicare, please contact our team of local advisors at 1-866-600-5638 to get started on your Medicare journey!

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Mary Pruett
Mary Pruett

My sister and brother-in-law have used your free service and are very pleased. They live in Ohio. She sent me your link and I was very excited until I read your service area was not in Texas.

I was wondering if you could give me some guidance on how to find the same company/service that can help me in Texas? I turn 65 in December so I need to get going on this but it’s so confusing!

Thanks in advance for any help you can give me.

Jackie Davis
Jackie Davis

Hi Mary! Thank you for engaging with our content! We’re glad to hear that your sister and brother-in-law are happy with our services. One of our advisors will be reaching out to you to provide suggestions for you. Thank you! – The RetireMEDiQ Team