If you want to take care of your health while on the road, you’ll want to know these tips for traveling with Medicare.
If you are planning on traveling sometime in the near future or you are curious about Medicare policies, you may be wondering if your health care benefits you receive through Medicare are still applicable when traveling.
More often than not, your Medicare insurance plan will cover your medical care when traveling depending on a few key things:
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In this particular article I will be sharing some tips for traveling with medicare. I want to help make healthcare easy for you – so your health stays protected!
Medicare may or may not cover medical care expenses when traveling in the U.S according to this website. Usually your individual results depend on which Medical Health Plan you have. Although it can also vary in certain circumstances.
If you are traveling in the U.S. and you have medical care insurance with Original Medicare, you are covered when traveling the 50 states and any of its territories (aka Puerto Rico, the District of Columbia, American Samoa, the Virgin Islands, Guam, and the Northern Mariana Islands).
Original Medicare plans A & B are the most ideal to have if you plan to travel frequently or have extended stays in other states as they provide coverage for hospital and medical expenses. If you happen to need to go to a hospital or clinic during your stay in another state or U.S. territory, Medicare will cover these expenses. Of course if you are wondering, you can read all about Medicare cover explained and get specific coverage details so you aren’t surprised if something happens.
However, not all Medicare Advantage Plans will pay for the medical care you receive outside of the service area. Some Medicare Advantage Plans will cover the cost of medical care outside of the service area. But it will often come with copayments, coinsurances, or service restrictions.
Traveling outside of a Medicare Advantage Plan’s service area for over 6 months will will result in a dismissed enrollment from most plans.
This will be followed by a Special Enrollment Period – which is a grace period that a customer has to join another Medicare plan. If a customer should fail to do so, they will then be enrolled to the Original Medicare plan.
Some Medicare Advantage Plans may provide unique benefits that permit you to continue with a plan should you travel in the U.S. for 12 consecutive months maximum. However, some areas of the U.S. may or may not be included in the Medicare plan. So, if you travel frequently and want a plan that suits your requirements, get in touch with a medicare broker for advice and guidance.
Typically, Medicare will not cover any medical care you may receive when traveling outside of the U.S. Though, there are certain circumstances in which Medical does pay medical care expenses when traveling outside of the U.S.