Summer is the perfect time to visit family, take a road trip, or finally check a destination off your bucket list. Before packing your bags, it’s worth taking a few minutes to understand how your Medicare coverage works while you’re away from home. A little planning can help you avoid unexpected surprises if you need medical care during your travels.
Original Medicare Coverage While Traveling
If you have Original Medicare (Parts A and B), you can generally receive care from any provider in the United States that accepts Medicare. Whether you’re visiting another state for a weekend or spending several weeks away, your coverage typically travels with you.
Keep in mind that while Medicare covers medically necessary services, you’ll still be responsible for any deductibles, coinsurance, or copayments that apply to your plan.
What If You Have a Medicare Advantage Plan?
Medicare Advantage plans often have provider networks that may be limited to certain regions. While emergency and urgent care are covered nationwide, routine medical care may require you to visit in-network providers.
Before you travel, consider:
- Reviewing your plan’s provider network.
- Knowing where the nearest urgent care or hospital is at your destination.
- Saving your insurance company’s customer service number in your phone.
Don’t Forget Your Prescriptions
Running out of medication while you’re away can quickly put a damper on your trip.
Before leaving home:
- Refill prescriptions early if possible.
- Pack enough medication for your entire trip, plus a few extra days.
- Carry medications in their original labeled containers.
- Keep medications in your carry-on bag if you’re flying.
If you use a national pharmacy chain, you may be able to refill prescriptions at another location while traveling.
Traveling Outside the United States
In most cases, Original Medicare does not cover healthcare services received outside the U.S. There are a few limited exceptions, but international medical coverage is generally very limited.
If you’re planning an international trip, it’s a good idea to review your coverage before you leave. Depending on your situation, additional travel medical insurance may be worth considering.
Keep Important Information With You
Having the right information readily available can save valuable time during an emergency. Consider carrying:
- Your Medicare card.
- Your Medicare Advantage or Part D plan ID card (if applicable).
- A current list of medications.
- Emergency contact information.
- A list of any allergies or medical conditions.
Enjoy Your Summer with Confidence
Travel should be about making memories—not worrying about your health coverage. Taking a few minutes to understand how your Medicare plan works before you leave can help you enjoy your trip with greater confidence.
If you’re unsure how your current Medicare plan works while traveling or if your healthcare needs have changed, our team is here to answer your questions and help you review your options. Planning ahead today can make your next adventure much more enjoyable.