Can You Travel With Medicare Advantage Plans?

Shawn Plummer

CEO, The Annuity Expert

Can you travel with Medicare Advantage plans?

Yes, you can travel with Medicare Advantage plans, but there are limitations compared to Senior Travel Insurance Policies. Here’s a breakdown:

Medicare Advantage Plans While Traveling

  1. Coverage Area: Typically, these plans provide coverage only within the United States and its territories. Coverage outside this area is limited or non-existent.
  2. Emergency Services: They usually cover emergency care anywhere in the U.S., but not always internationally.
  3. Non-Emergency Services: Outside your plan’s network area, non-emergency services may not be covered or cost more.
  4. Referrals and Pre-Authorizations: Some plans may require referrals or pre-authorizations for certain services, even in emergencies.

Related Reading: Can I cancel Medicare if I live abroad?

Traveling With A Medicare Advantage Plan

Senior Travel Insurance Policies

  1. Broader Coverage: These policies are designed for domestic and international travel.
  2. Trip Cancellation: They often include trip cancellation benefits, which Medicare Advantage does not cover.
  3. Medical Evacuation: Provides coverage for medical evacuations, a crucial feature for international travel.
  4. Flexible Options: Travel insurance can be tailored to the length and nature of your trip.

Comparison Table

FeatureMedicare AdvantageSenior Travel Insurance
Coverage AreaU.S. and territoriesWorldwide
Emergency CareCovered (with limitations)Broadly covered
Non-Emergency CareLimited or higher costs outside networkCovered as per policy terms
Trip CancellationNot coveredCovered
Medical EvacuationLimited or not coveredCovered

Conclusion

While Medicare Advantage plans offer some level of coverage for travelers, they fall short in areas like trip cancellation and international medical evacuation, which are better addressed by Senior Travel Insurance policies. Understanding these differences helps ensure you have the appropriate coverage for your travel needs. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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