Traveling in Retirement with Medicare Advantage Plans in 2024

Living the dream of retirement often involves travel and exploration. While Original Medicare covers emergency care anywhere in the U.S., it leaves gaps for routine or non-emergency care outside your plan's service area. This is where Medicare Advantage plans can be your travel companion.

Here's how Medicare Advantage plans can help you travel in 2024:

Domestic Travel:

• Travel benefits: Certain Medicare Advantage plans offer travel benefits that extend coverage for out-of-network care within the U.S., typically for at least 6 months. You'll pay similar cost-sharing amounts as you do in-network at home.
• PPO flexibility: PPO plans allow you to use out-of-network providers for care while traveling, though costs may be higher than in-network.
• Consider your travel destinations: Different plans have different network coverage areas. Choose a plan with a network that covers your frequent travel destinations.

International Travel:

• Limited coverage: Original Medicare rarely covers care outside the U.S. Some Medicare Advantage plans offer emergency and urgent care benefits for international travel, but with limitations and potential high out-of-pocket costs.
• Consider supplemental insurance: For extensive international travel, consider a separate travel insurance plan for broader coverage and peace of mind.

General Tips for Travelers:

• Research plan options: Compare plans available in your area, focusing on their travel benefits, network coverage, and out-of-pocket costs.
• Contact your plan provider: Clarify your specific coverage details and limitations before embarking on any trip.
• Carry your Medicare card: Keep your Medicare card and plan information readily accessible while traveling.
• Stay informed: Be aware of potential changes to your plan or Medicare guidelines before and during your travels.
• Not sure if you plan allows you to go in an out of network click here and a licensed agent will be in contact