How Does Medicare Work When Traveling?

What to Know Before You Go....

Traveling is one of the best parts of retirement—but before you pack your bags, it’s important to understand how your Medicare coverage works when you’re away from home.

The good news is that in many cases, you are still covered. However, the details depend on the type of plan you have.

Original Medicare (Parts A & B)

If you have Original Medicare, you’re in a flexible position.

• You can see any provider in the U.S. who accepts Medicare

• Coverage works the same whether you’re at home or traveling domestically

This makes Original Medicare a great option for those who travel frequently within the United States.

Medicare Advantage Plans (Part C)

Medicare Advantage plans can work a little differently.

• Many plans use provider networks (like HMOs or PPOs)

• Non-emergency care may need to be within your network

• Emergency and urgent care are typically covered anywhere in the U.S.

If you travel often, it’s especially important to understand your plan’s network and rules.

What About Medicare When Travelling Internationally?

In general, Medicare does not cover care outside the United States.

Some exceptions may apply, and some supplemental or Advantage plans may offer limited international emergency coverage—but this varies by plan.

Many travelers choose to purchase separate travel insurance for international trips.

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A Simple Travel Checklist

Before your trip, take a few minutes to:

• Review your current plan

• Check your provider network (if applicable)

• Bring your insurance card

• Save important contact numbers

• Ask questions if anything is unclear

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Final Thoughts...

Traveling should be relaxing—not stressful.

A quick review of your Medicare coverage before you leave can give you peace of mind and help you avoid unexpected surprises.

If you’re unsure how your plan works while traveling, it’s always a good idea to ask. Get peace of mind ahead of time - call us at 208.614.3505 or email contact@premierinsgroup.com.