Summer travel is exciting—but it’s smart to understand how your health coverage works before you head out.
Here are a few key things to keep in mind:
Medicare coverage varies by plan.
Original Medicare generally covers care anywhere in the U.S. that accepts Medicare. However, many Medicare Advantage plans use provider networks, which may limit coverage outside your home area except for emergencies.
Emergency care is usually covered—routine care may not be.
If you have a medical emergency while traveling, you’re typically covered. Non-emergency or routine care may be limited or not covered, depending on your plan.
Prescription access can change when you travel.
Some plans allow you to use pharmacies nationwide, while others may require mail-order options or special arrangements when you’re away from home.
Traveling outside the U.S.?
Original Medicare generally does not cover care outside the United States. Some Medicare Advantage and Medigap plans offer limited foreign travel emergency benefits—but coverage varies widely.
Know before you go.
Before traveling, it’s a good idea to:
- Review your plan’s out-of-area coverage rules
- Bring your insurance cards with you
- Know how to find in-network or urgent care providers if needed
At Ohio Health Benefits, we’re happy to review your coverage and answer travel-related questions before you leave—so you can focus on enjoying your trip, not worrying about what happens if you need care.
Planning a summer getaway? Give us a call at 330-633-7713, or schedule your consultation online before you go. We’re here to help.
