Your Quarterly Medicare Newsletter: Medicare Coverage When You Travel

Medicare Coverage When You Travel

For those with Medicare, understanding how your coverage works when you're away from home is essential. Whether you're traveling domestically or internationally, here's what you need to know about Medicare coverage and managing your prescriptions while on the go.

Medicare Coverage Within the U.S.

If you have Original Medicare, your coverage is valid anywhere in the United States, including all 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa. You can access healthcare services covered under your Medicare plan.^1,2

For those with Medicare Advantage, be aware that these plans often have network restrictions. While some offer nationwide coverage, others may restrict you to a specific network of providers. Before traveling, check with your plan provider to understand any limitations or requirements.

Managing Prescriptions Away from Home

Preparing is key when managing prescriptions while traveling. Medicare drug plans do not cover prescription drugs purchased outside the U.S., so check to see if you have an adequate supply before you leave. Consider contacting your Medicare drug plan to see if you can obtain a 2- or 3-month supply of your medications.^1,2

Preparing for Your Trip

Before embarking on your journey, check that you have the necessary documentation to fill prescriptions in an emergency. Bring your red, white, and blue Medicare card, a photo ID, and your Medicare drug coverage card. If you have both Medicare and Medicaid or qualify for Extra Help, bring proof of your enrollment.

Medicare Coverage for International Travel

Traveling outside the U.S. introduces more complexity. Original Medicare provides limited coverage internationally, with rare exceptions. For example, Medicare Part B may cover services on a ship within U.S. territorial waters, and there are specific cases where coverage might extend to foreign countries. However, in most situations, you are responsible for all costs incurred outside the U.S.^1,2

To bridge this gap, consider purchasing a travel insurance policy that includes health coverage. It's important to carefully review the conditions and restrictions of any travel insurance policy, as not all include health insurance. Additionally, some Medigap policies offer a foreign travel emergency benefit, providing coverage for emergency care while abroad.

September: Private plans send notice if there will be any change in cost, coverage, or service area
October 15: Medicare Open Enrollment Period begins
November: Flu season begins
December 7: Medicare Open Enrollment ends
January 1: New plan coverage begins

<sup>1. Medicare.gov, 2026.
2. Medicare.gov, 2026.</sup>