Licensed In

California – Nevada – Arizona
Colorado – Idaho – Missouri –
Massachusetts – North Carolina –
Oklahoma – Oregon – Texas
South Carolina

Office Hours

Mon – Fri 9:00 – 5:00

CA Lic #0I16019

Call Us Today

805-301-9960

For many seniors, summer means travel—whether it’s a cross-country road trip, visiting family in another state, or jetting off to a dream vacation abroad. But before you pack your bags, it’s important to understand how your Medicare coverage works when you’re away from home.

Medicare Coverage Across State Lines

Original Medicare (Parts A and B) travels with you across all 50 states and U.S. territories. Whether you’re at home in Arizona or visiting grandkids in Florida, you can still see any provider who accepts Medicare. However, keep in mind that some Medicare Advantage (Part C) plans may have network restrictions. Be sure to check with your plan to see how coverage works outside your local area.

Going Abroad? Here’s What You Should Know

Medicare generally does not cover health care outside the United States. There are exceptions, such as when you’re on a cruise or if a foreign hospital is closer than a U.S. facility during an emergency. To bridge this gap, many travelers opt for a Medigap plan—specifically those that offer foreign travel emergency coverage (like Plan G or Plan N).

Emergency Care On the Go

Emergencies happen—even on vacation. Original Medicare covers emergency room visits anywhere in the U.S., and some Medigap policies or Medicare Advantage plans offer additional support for urgent care and ambulance services. Be sure to carry your Medicare card and a list of your medications while traveling.

 

Before You Hit the Road…

Planning ahead can give you peace of mind while you’re on the move. For personalized advice and help reviewing your Medicare coverage, contact Deborah Hilgerman at Hilgerman Insurance Solutions. She’ll help you make sure you’re covered—wherever your summer takes you.

 

Hilgerman Insurance Solutions
www.HilgermanIns.com

Tap To Call