If you have Medicare Parts A and B (Original Medicare), you’re covered anywhere in the U.S. — as long as you use doctors and hospitals that accept Medicare.
Anywhere in the U.S. includes the 50 states and Guam, U.S. Virgin Islands, Puerto Rico, and American Samoa.
If you have questions about what Medicare covers when you travel out of state, we can help.
Traveling with Different Medicare Plans
Depending on your plan, your coverage can vary when you exit your home state.
Check out this table below:
|Original Medicare (Parts A and B)||If you utilize doctors and hospitals that accept Medicare, you are covered anywhere in the U.S.|
|Medicare Advantage (Part C)||It depends on the plan. Some offer national coverage, and some include pharmacy networks that are unavailable in other states. Check with your plan provider to understand the service area.|
|Prescription Drug Coverage (Part D)||It also depends on the plan. Ask your plan provider if you can go outside their network for coverage and if there are higher costs involved.|
Medicare Coverage Outside the U.S.
In some situations, Original Medicare may provide coverage when you’re traveling abroad, including if:
- You live in the U.S., encounter a medical emergency, and a foreign hospital is closer than the nearest American hospital.
- You’re traveling in Canada — on a direct path between Alaska and another state — and the nearest hospital that can care for you is in Canada.
- You’re on a cruise ship, require medically necessary care, and the ship is in U.S. waters, a U.S. port, or within six hours of arrival or departure from a U.S. port.
Medicare Advantage plans must at least provide the same amount of coverage as Original Medicare. Some have additional benefits.
Medicare Part D
If you have Part D or another plan that includes drug coverage, prescription medications bought outside the U.S. typically aren’t covered.
Six Medigap plans offer 80% of foreign travel exchange (up to plan limits): C, D, F, G, M, and N.
How Do I Update My Info If I Move to Another State?
If you plan to move to another state, you’ll need to provide your new address. A quick way to update your contact information is to click on “My Profile” on the MySocialSecurity website. You don’t have to be getting Social Security benefits to access the site.
However, you must register first. To create an account, you’ll need to verify personal information and meet these criteria:
- Be at least 18 years old
- Have a valid email address
- Have a U.S. mailing address
- Have a Social Security number
Also, you can call the Social Security Administration at 1-800-772-1213 or visit your local SS field office.
A Trusted Medicare Agent Can Help
Trusted Senior Specialists has licensed insurance agents in all 50 states. We treat our clients like family and can guide you through every step of the process. For all your Medicare questions and concerns, call (844) 325-8710.