Summer is just around the corner, and that means many Southwest Washington residents are planning trips to visit family, explore the outdoors, or relax somewhere sunny. But before you pack your bags, it’s important to understand how your Medicare plan travels with you.
Here’s what you should know:
- Original Medicare typically covers services anywhere in the U.S. as long as you visit a provider who accepts Medicare. This is great for domestic travel.
- Medicare Advantage Plans may have regional networks. If you have an HMO, you might only be covered for emergencies outside your area. PPO plans often allow some out-of-network access.
- Medigap Plans (especially Plan G and F) offer some coverage for foreign travel emergency benefits—a huge help if you’re going abroad.
- Part D (Drug Plans) may have preferred pharmacies. Make sure your prescriptions are easy to refill while you’re away. Or better yet, fill before you leave if possible.
Planning ahead is key. Here are some steps to take:
- Contact your agent to review your plan’s travel coverage.
- Bring a list of your medications and a copy of your insurance card.
- Look into travel insurance that includes medical evacuation if you go overseas.
- Download your plan’s app or save their customer service number on your phone.
At Your Insurance Gal Agency, we’ll help you feel confident traveling with the coverage you need. Schedule a quick check-in with us before your trip so we can ensure there are no surprises.
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