Medicare
Splitting the year between two states: a Medicare check before you leave
Original Medicare works across the country wherever the doctor accepts it. Advantage plans are built around a service area, so what they cover away from home depends on the plan.
What to ask each plan
- What does it cover outside my home area, besides emergencies?
- Is there a nationwide network, or are there other-state options?
- How long can I be away before the plan treats me as having moved?
- Does my drug plan work with pharmacies where I stay?
Why it matters
Many people find that a plan with a regional network works well at home and leaves them exposed when they travel. Others choose Original Medicare with a supplement for that reason.
Have this ready when you call
- The states you spend time in
- How many months you are away
- Your doctors in each place
- Your medicine list
Common questions
Which address do I use for my plan?
Your plan goes by your permanent residence. Tell the agent where you spend the year.
Are drug plans different when I travel?
Some pharmacies are in network everywhere and some are local. Check where you will fill prescriptions.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
GetFastRates.com is not connected with or endorsed by the U.S. government or the federal Medicare program. Calling connects you with licensed insurance help. Plan availability, costs, benefits, and enrollment rules can vary by state, carrier, and individual situation.