The first 2 years that I was on medicare I opted for advantage plans that have out of area coverage (Anthem & United HC}. This year I am signing up for Welcare with is much better all the way around except for out of area coverage. These plans vary from state to state. When I looked into the details off the Welcare plan it still cover ER and Walk in clinics. We are going to Florida for 3 mos., so the real question is if we had to go to the ER for a heart attack or some emergency like that you would be covered for hospital stays. Longer term health care I would prefer to go back home to my own Dr's anyway.