Can I travel with Medicare?

Mount Rushmore on your bucket list? Dreaming of the Eiffel Tower in spring time? Learn how you can take your Medicare plan with you.

Are you ready to start chipping away at your travel list, but not sure that your Medicare coverage can come with you? If retirement is going to give you the gift of time and you plan to fill it with travel, then this information is for you.

If your travel wish list is within the U.S., your Medicare plan has you covered. You can travel anywhere in the U.S. and its territories and get the medical care you need from almost any doctor or hospital if you have Original Medicare (Parts A and B). You’ll still be required to pay the same out-of-pocket costs you’d normally pay for the services.

And if your heart seeks international adventure, you’ll probably want to have more than just Original Medicare (Parts A and B). There are only a handful of rare situations under which your Original Medicare insurance may be used abroad. But don’t let that keep you from exploring the world! Here are some things to know and options to consider.

Advantages of private Medicare plans abroad

There are some private health insurance plans that provide worldwide coverage. You can buy these Medicare plans from private insurance companies. Whether you’re covered abroad or not depends on the plan you choose. Check with your insurance company to verify your Medicare plan’s coverage limits.

It’s important to know that, unlike in the U.S., foreign hospitals are not required to file Medicare claims. So you’ll need to submit your itemized bills directly to Medicare and your private insurance company for any care you receive in a foreign country.

Check your Medicare plan before leave

It’s a good idea to be prepared for any possible health emergencies before you set sail on your retirement adventures. So before you leave, check in with Medicare and your private insurance plan to get the information you need to understand your coverage. It’ll give you the peace of mind you deserve.

Bon voyage!