How Does Medicare Work When You Travel?

Planning a trip is exciting, but understanding how your Medicare coverage works during your travels is crucial, whether you're staying within the U.S. or going abroad. Here's a guide to help you navigate your Medicare benefits while traveling.

Traveling Within the United States

Medicare is widely accepted across the U.S., including in all 50 states, Washington D.C., and U.S. territories such as Puerto Rico, Guam, and the U.S. Virgin Islands. This includes:

• Original Medicare (Part A and Part B): You can visit any healthcare provider that accepts Medicare. However, make sure the provider is part of the Medicare network.

• Medicare Advantage (Part C): Coverage depends on your plan. Some plans have specific networks that may limit your access to care outside your local area, but most plans include emergency coverage nationwide.

Traveling Abroad

Medicare generally does not cover medical care outside the U.S., except in specific situations:

• Emergency care in Canada if you’re traveling between Alaska and another state and the nearest hospital is in Canada.

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

• In some rare cases, foreign hospitals may be covered if they are closer than a domestic facility for treating your condition.

Supplemental Coverage Options

To fill the gaps in Medicare when traveling abroad, consider these options:

1. Medigap Plans: Some Medigap policies offer limited coverage for emergency care outside the U.S., typically up to 80% of costs with a lifetime limit.

2. Travel Insurance: Many travel insurance policies include health coverage, which is especially helpful for international trips.

3. International Health Insurance: If you travel frequently, these plans provide comprehensive global coverage.

   
   

Tips for Travelers

• Research Ahead: Confirm whether your Medicare plan includes providers at your destination. For international travel, check for Medigap or travel insurance policies that meet your needs.

• Keep Emergency Contacts: Have Medicare’s helpline (1-800-MEDICARE) and your plan provider’s contact information readily available.

• Carry Documentation: Always bring your Medicare card and proof of supplemental coverage when traveling.

Being prepared ensures that you can focus on enjoying your journey while having peace of mind about your healthcare coverage.