Medicare and Travel: What You Need to Know About Coverage on the Go

Traveling is one of life’s greatest joys, especially during retirement. However, if you rely on Medicare for your healthcare coverage, it’s important to understand what’s covered and what isn’t before you hit the road. Whether you’re traveling domestically or internationally, here’s what you need to know about how Medicare works when you’re on the go.

Medicare Coverage for Domestic Travel

Traveling within the United States and its territories is relatively straightforward for Medicare beneficiaries.

Original Medicare (Parts A and B):

• Covers care from any doctor or hospital that accepts Medicare.

• Includes emergency and non-emergency services as long as the provider is Medicare-approved.

• Does not require referrals or pre-approvals, making it flexible for travel within the U.S.

Medicare Advantage (Part C):

• Coverage depends on your plan.

• Most plans have network restrictions, meaning you may need to use in-network providers to avoid higher costs.

• Some plans offer nationwide coverage or travel benefits, such as access to a wider network or urgent care services.

  
  

Tip: Check your plan’s details before traveling to understand your coverage and out-of-pocket costs.

Medicare Coverage for International Travel

Medicare’s coverage is limited outside the U.S. and its territories. Here’s what to expect:

Original Medicare (Parts A and B):

• Typically does not cover healthcare services received outside the U.S.

• Exceptions include:

  • Medical emergencies occurring while traveling through Canada to Alaska.

  • Treatment on a cruise ship within six hours of a U.S. port.

  • Care needed while in the U.S. but the nearest hospital is in another country.

Medicare Advantage (Part C):

• Some plans include emergency coverage for international travel.

• Coverage varies widely, so review your plan’s benefits before leaving the country.

Medigap (Medicare Supplement Plans):

• Some Medigap plans (e.g., Plan F, G, and N) cover 80% of emergency medical costs abroad, after a $250 deductible.

• Coverage is limited to the first 60 days of your trip and has a lifetime cap of $50,000.

  
  

Tip: If you’re planning extended international travel, consider supplemental travel insurance.

Steps to Prepare for Traveling with Medicare

1. Review Your Current Coverage:

   • Contact your plan provider to confirm coverage details for your destination.

   • Ask about network restrictions, deductibles, and out-of-pocket costs.

2. Consider Supplemental Coverage:

   • Purchase travel insurance for added peace of mind, especially for international trips.

   • Look for policies that cover medical evacuation, which can be costly.

3. Carry Important Documents:

   • Bring your Medicare card, insurance cards, and a list of your medications.

   • Keep contact information for your plan provider handy.

4. Know Emergency Procedures:

   • Research local hospitals and emergency numbers at your destination.

   • Understand how to file a claim if you receive care outside your plan’s network.

     
     

What to Do in a Medical Emergency While Traveling

• Seek immediate care: Go to the nearest hospital or urgent care facility.

• Notify your plan provider as soon as possible for assistance with claims and coverage verification.

• Save all receipts and documentation for reimbursement purposes.

  
  

Conclusion

Understanding Medicare’s travel coverage ensures you’re prepared for any healthcare needs that arise on your journey. Whether you’re traveling across the U.S. or exploring international destinations, planning ahead can save you from unexpected medical expenses.

At Lindbergh and Associates, we’re here to help you navigate your Medicare options and plan for your next adventure. Contact us today to ensure your coverage meets your travel needs!