Traveling and Healthcare Coverage

Traveling in retirement is one of life’s great joys—but if you’re on Medicare, it’s important to understand how your coverage works when you’re away from home. Whether you're crossing state lines or heading overseas, here’s what you need to know about Medicare and travel.

Medicare Coverage Within the U.S.

If you're traveling within the United States (including all 50 states, Washington D.C., Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Northern Mariana Islands), Original Medicare (Parts A and B) generally covers you just like it would at home.

However, there’s a catch:

  • You must see a provider that accepts Medicare.

  • Not all urgent care clinics or walk-in providers accept Medicare, so it's smart to check before you go.

Tip: Always carry your Medicare card and a list of medications when you travel.

What About Medicare Advantage Plans?

If you have a Medicare Advantage Plan (Part C), coverage varies by plan.

Here’s what to check before traveling:

  • Out-of-network rules: Some plans only cover emergencies outside of your service area.

  • Travel coverage benefits: A few plans offer nationwide networks or special travel benefits—especially for “snowbirds” who live in different states seasonally.

Call your plan provider before your trip to verify coverage and network rules.

Traveling Outside the U.S.: Am I Covered?

Original Medicare does not usually cover care outside the U.S., except in very limited situations, such as:

  • You're on a cruise ship in U.S. territorial waters.

  • You're in the U.S., but the nearest hospital is across the border (e.g., in Canada or Mexico).

  • You need emergency care while traveling between Alaska and another U.S. state, and a foreign hospital is closer.

How Can I Get International Travel Coverage?

To be better protected when traveling abroad, consider:

  • Medicare Supplement (Medigap) Plans: Some Medigap plans (like Plan G or Plan N) include limited foreign travel emergency coverage, usually up to $50,000 with a deductible.

  • Travel Insurance: Many travelers purchase separate travel insurance with international health coverage, including medical evacuation.

  • Credit card perks: Some premium cards include basic travel medical coverage.

Planning international travel? Don’t assume you're covered—review your plan and consider a backup option.

Final Tips Before You Go

  • Carry important documents: Your Medicare card, plan ID cards, photo ID, and emergency contacts.

  • Know the nearest hospitals: Especially if you have specific health needs or conditions.

  • Check prescription rules: Make sure you have enough medication for your trip, or know how to refill if needed.

In Summary

Medicare can travel with you—but how well it works depends on where you go and what type of plan you have. A little planning goes a long way to keep your travels worry-free and your healthcare covered.

If you're planning a trip soon and aren't sure what your Medicare plan includes, we’re here to help. Contact us today to review your options and make sure you're ready for the road ahead.

Let us help you Evolve Your Medicare Experience. 

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Other Medicare Questions? We can be reached at 814.201.9708 or at jocelyn@evolveinsurancegrp.com.

Jocelyn Wolf