Blog
Best Medicare Plans for Travelers and Snowbirds
If you split time between states or travel often, your plan's network flexibility matters more than usual.
Talk to a Licensed Agent: (302) 407-0876Why Plan Type Matters for Frequent Travelers
If you spend part of the year in a different state, Original Medicare paired with a Medigap policy generally offers the most flexibility, since Medigap works alongside Original Medicare and Original Medicare is accepted nationwide by any provider who takes Medicare.
Medicare Advantage plans are built around a local network, though some PPO-style Medicare Advantage plans offer partial out-of-network access, which can work for people who split time between two specific locations but want to check plan details carefully.
Compare Medicare Plans Available in Your Area
Speak with a licensed insurance agent at no cost or obligation
Call (302) 407-0876Coverage Outside the U.S.
Original Medicare generally doesn't cover care outside the United States, with narrow exceptions — such as certain border-area emergencies or care received on a cruise ship within a set number of hours of a U.S. port. Some Medigap plans include a foreign travel emergency benefit that covers a percentage of emergency costs abroad after a deductible, up to a lifetime cap.
If you travel internationally often, ask specifically about a Medigap plan's foreign travel emergency benefit, and consider whether supplemental travel medical insurance makes sense for extended trips.
Related Reading
More on Health Advantage Plan
Official Government Resources