Will Medicare cover me when I travel to another State or Country?


There are a lot of things you need to consider when you are on Medicare, including your future travel plans. If you plan on traveling to another state or even abroad, it could impact what type of Medicare plan you should choose. 

If your future travel plan includes traveling within the United States or its territories (District of Columbia, the Virgin Islands, Puerto Rico, Guam, American Samoa, and the Northern Mariana Islands), there is good news. You can receive coverage with Original Medicare as long as the doctors and hospitals you choose accept Medicare. 

Usually, Medicare does not cover medical care when you plan on traveling outside its territories. However, there are certain circumstances to which Medicare can cover your costs when abroad:

If you are traveling through Canada between Alaska and another state, but the closest hospital to you is in Canada, you will still receive Medicare coverage.

If you are traveling on a cruise ship, you can receive Medicare coverage if you are in the U.S. territorial waters or are six hours from a U.S. port.

If you are in the U.S. when an emergency occurs, but a foreign hospital is closer to you than a U.S. hospital, you will receive coverage.

If you live in the U.S., but the closest hospital to your residence is in a foreign country, you will receive coverage, regardless if there is an emergency.

Some Medicare Supplement Plans will cover foreign travel emergencies by up to 80% of the plan's limits.

Part D plans will not cover prescription drugs that are bought outside the U.S.

So bottom line if you plan to do any traveling it is good to look at all the Medicare plan options available in your area to determine which will fit you best.

Tagged: Medicare, Medicare Insurance, travel, Senior Market Solutions, Medicare Supplement, Traveling with Medicare

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