Does Medicare Cover Me When I Travel?

Most people travel throughout the year. Between visiting family and friends, peaceful vacation getaways, or special events, traveling is a normal part of life.

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. If you’ve ever wondered, “does Medicare cover me while I travel?” our team is here to offer clarity on this topic.

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
  • The Northern Mariana Islands
  • Wake Island Atoll

Although Medicare plans vary, they 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’re out of your plan’s service area and your doctor certifies that you’re unable to travel, your plan may continue to cover your care. However, if you are not in your plan’s network, then you’re responsible for traveling back to your plan’s service area to receive care if your doctor confirms you’re physically able to travel.

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 and Medicare Advantage plans offer nationwide emergency coverage.

Before traveling, we recommend calling us to review your Medicare plan so you know what it covers. Based on your situation, it might make sense for you to consider options for a travel policy.

 Cincinnati and Dayton Help with Medicare

If you’re a client and have questions about your Medicare coverage as it relates to travel, Schedule a call with a client advisor.

If you have questions about retirement or Medicare, we offer local Cincinnati and Dayton help with Medicare at no-cost to you. Schedule a call with an advisor to get started on your Medicare journey!

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