Medicare Advantage plans must cover these situations anywhere in the United States. Plans cannot charge additional costs for these services. You can use your Medicare in another state, but coverage may vary depending on your plan. There are different rules for using original Medicare, Medicare Advantage, Medicare Part D, or even a Medigap plan in other states or when traveling abroad.
The short answer is “No. Medicare coverage isn't the same everywhere you go. Some Medicare plans don't offer coverage beyond the state or county where you live and where the plan was purchased. This can be a concern for people who travel a lot or who live half the year in one place and half the year in another.
You can fly south to winter in a warmer location or travel north in summer to escape extreme heat. Medicare Part A and Medicare Part B together are known as “original Medicare.” Original Medicare has a set standard for costs and coverage across the country. That means your coverage will be the same no matter what state you live in, and you can use it in any state you visit. Medicare Advantage plans are private policies that you can buy to replace Original Medicare coverage.
If you have original Medicare (Medicare Part A and Medicare Part B), you have coverage anywhere in the United States. In most states, Medigap plans will have the same letter names across all insurance companies and offer the same coverage. This period allows people with Medicare Advantage to switch to another Medicare Advantage plan or switch to Original Medicare. Everyone's travel and healthcare needs are different, so check and compare your coverage options carefully.
Original Medicare and Medicare Advantage plans are needed to cover emergency and urgent care anywhere in the U.S. UU. Increase your knowledge of Medicare with reliable, up-to-date news and information sent to your inbox every month. Even though it's a federal program, Medicare coverage, costs, and benefits can vary widely from state to state.
Medicare is a federal program, which means your eligibility and coverage are pretty much the same in the U.S. Medicare Advantage, or Medicare Part C, plans are provided by private insurers and include additional benefits and coverage beyond the scope of Original Medicare. However, even in another state, you have to get treatment from a doctor who is enrolled in Medicare. For example, some plans may offer coverage for services such as transportation to doctor visits, over-the-counter medications, and services that promote your health and well-being.
Because Medicare Advantage plans are purchased from private insurers, they are offered regionally and often include networks of plans that limit their coverage to a general area. For domestic travel, Medicare requires a travel benefit to cover at least 6 months of out-of-network care, no matter where or when you go. The federal government requires annual open enrollment for Medicare Advantage in all states that matches enrollment in Original Medicare. However, outside the country, most medical services will not be covered, except in special circumstances.
An interactive flowchart to answer all your questions about navigating the Medicare enrollment process.