Maybe you want to take a trip now that you’re retired, but you’re not sure you have the health care coverage you need. If you’re in this situation, you should know that enrollment in Medicare Part A and B, with or without Medicare Supplement Insurance, will provide you with coverage in any part of the United States, providing that Medicare is accepted at that facility. With that said, you may not be aware that Part D (prescription drug coverage) and Medicare Advantage coverage isn’t always the same from one state to the next.
Medisupps.com have been helping people choose the right medicare supplement plans for over a decade now. Russell Noga who runs the business knows the ins and outs of this industry and has helped create this guide on travelling interstate with medicare.
Anyone that has questions about how Medicare coverage will be impacted by traveling should speak to Russell and Medisupps.com.
Tip 1: Make Sure That Contact Information For Your Doctor and Your Medicare Care Are Always On Your Person
Accidents can and do happen. In some cases, you could fall ill when you’re traveling. That’s why you’ll want to make sure your Medicare card is always readily available. You’ll also want to give someone you trust copies of your insurance information. That way, if you lose or misplace your card, you can ask them to send it to you. Carry contact information for your doctor so that you’ll be able to address any concerns or questions that come up during your travels.
Tip 2: Be Aware Of The Coverage Areas For Your Plan
Both Medicare Advantage and Medicare Part D plans only provide coverage for specific areas. If you have a plan like this, you’ll want to take the time to see if your area or areas you’ll be visiting are within your plan’s service area. You can do this by contacting your plan provider directly or looking for more information on the Medicare.gov website.
Medicare Supplement Insurance will provide you with coverage throughout the United States, but you may find that it’s best to search for a new policy if you’re relocating to a new state. You can find 10 standardized Medicare Supplement Insurance plans across 47 states, which means the majority of states will allow you to keep your plan without an issue. However, Massachusetts, Minnesota, and Wisconsin all use their own standardized policies for Medicare Supplement Insurance. If you’re leaving one of these states, relocating, or are going to be visiting these areas, it’s a good idea to search for more information. If you need additional information about your coverage, you can always speak to the provider of your Medicare plan.
If you’re looking to purchase a plan, Health.com notes that Aetna Medicare Advantage plans are a great option for individuals who travel often and are on the go. Anyone researching coverage options should compare Medicare Advantage plans and decide what provider and coverage fit their needs best.
Tip 3: Find Out If Vaccines Are Necessary Ahead Of Your Trip. This May Be Covered Under Medicare
Are you concerned about illnesses in the areas you’re visiting? If so, tools on the CDC website will help you to prepare and protect yourself. You’ll be able to see if you need any vaccines ahead of your trip, and you’ll be able to find out which medications you should bring as well. As long as you’re enrolled, Medicare Part B provides coverage for:
Annual flu (Influenza) shots
Vaccine for Hepatitis B
Tdap (tetanus, diphtheria, and pertussis) shot
You should be aware that Medicare Part D coverage may be necessary if you want coverage for any other vaccines.
Tip 4: Pack Your Prescription Drugs And Make sure You Have Extra
Are you bringing prescription drugs with you when you travel? While you may have a prescription drug plan through Medicare Part D, it’s possible that the area you’re visiting won’t be within your area of coverage. It’s best to confirm this with the provider of your plan before your trip. To protect yourself, you’ll want to make sure you have enough of your medication to last for your entire trip and bring enough for a few additional days as well. You should make sure you have access to the medication you need in the case of flight delays or other setbacks. However, you’ll also want to make sure you keep back-up medication safely at home. That way, if your luggage or your pill organizer is lost, you can have someone you trust ship out your medication to you.
In addition, it’s wise to carry a first aid kit with you. After all, you never know when antibiotic ointments and bandages will be necessary.