Medicare Advantage for Full Timers?
Is there any program out there for those of us on Medicare to take advantage of the benefits of a Medicare Advantage program when travelling? I like the low Dr visit copays and routine care savings.
Forum Discussion
Kennyg wrote:sdianel wrote:
It's my understanding that Medicare Advantage plans are limited to specific areas. Therefore I don't see how you could use one across the US. donn0128 suggestion is the way to go, however I think that would increase your out of pocket costs not reduce them. From the Medicare site: "You can generally join a Medicare Advantage Plan if: You live in the service area of the plan you want to join. The plan can give you more information about its service area. If you live in another state for part of the year, check to see if the plan will cover you there."
I have a medicare advantage program and it is good for all 50 states! The statement that these plans are only local is misleading and incorrect! Check out all of the available plans. Each, I believe provides a nationwide list of where it is in effect.
Yes, you will be covered for an emergency when traveling, but if they find out you are out of their region for more than XXX number of days (each plan is different) they can deny benefits. And your primary physician has to be in their region and be a part of their coverage group. Some are very picky, some are not. Important to read all of the teeny, tiny, fine print to make sure you know what will and won't be covered.
Barb
