Traveling or relocating is exciting, but for Medicare beneficiaries, it can raise important questions about health coverage. At South Florida Insurance Brokers (SFIB), we’ve helped Florida residents for over 23 years navigate the complexities of Medicare to ensure peace of mind wherever life takes them.
Medicare and Travel: What You Should Know
Original Medicare (Parts A and B) offers broad coverage across all 50 states and U.S. territories, making it ideal for frequent travelers. Any provider nationwide that accepts Medicare will honor your coverage.
However, if you’re enrolled in a Medicare Advantage (Part C) plan, things can get tricky. Many plans limit coverage to local provider networks. Emergency services are typically covered nationwide, but routine or non-emergency care may be restricted outside your plan’s service area. Learn more about Medicare Advantage Plans to evaluate your options.
Planning to Relocate?
Moving within Florida or to another state can impact your Medicare coverage:
- Original Medicare: Generally unaffected, but review your Part D (prescription drug) plan since formularies and premiums vary by location.
- Medicare Advantage and Part D Plans: A move qualifies you for a Special Enrollment Period (SEP), allowing you to switch plans to one available in your new area.
- Medicare Supplement Plans (Medigap): These plans travel well, but premiums may differ by state.
Discover details about Supplement Medicare Plans and how they work for travelers.
Staying Covered on the Road
If you’re a snowbird splitting time between two states or relocating permanently, SFIB can help you:
- Review plan portability
- Compare Medicare Advantage and Medigap options
- Enroll in plans that work across multiple regions
Call us now at (786) 303-8065 to ensure your Medicare travels as far as you do!
