For many Medicare-eligible retirees, traveling is the dream. When it comes to Medicare and traveling it is prudent to know where you stand.
Let’s talk about the good news first. Original Medicare, also known as Traditional Medicare, consists of two parts. Part A covers hospital services and Part B covers doctor’s visits and other medical services. Original Medicare provides coverage in all 50 states as well as the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, Northern Mariana Islands and American Samoa. So long as a doctor or hospital accepts Medicare and accepts Medicare assignment you will have limited coverage everywhere in the United States.
Medicare Beneficiaries should be aware that once a person selects a Medicare health plan with a defined network, limitations may apply. Different types of Medicare health plans such as Preferred Provider Organizations (PPO) or Health Maintenance Organizations (HMO) will have different travel benefits that may limit your choice and/or increase out of pocket expenditures.
Generally, Medicare does not cover anything while you out of the US. However, there are still options for coverage. Twin City Underwriters utilizes a tool that helps ensure you will not be surprised while traveling internationally or domestically if you need medical services. Do you have more questions about traveling with Medicare? We’re here to answer all your questions.