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Medicare On The Road

Medicare On The Road

Why Retirees Need to Check Their Policy

Congratulations! You now have your vaccine and are ready to get on the road. . . keep your Medicare up to date! Vaccination means more freedom with traveling, especially outside the USA. During your retirement you want to make the best of your life and protect your ‘Quality of Life’ but does your insurance coverage meet your needs and does it need to be reviewed or updated?

Some beneficiaries, regardless of their specific coverage, purchase travel medical insurance for trips overseas. This type of international medical insurance will cover them based on the plan options they choose, and they happen to be very affordable. Be sure to read the fine print and understand the policy limitations and exclusions before you purchase.

Do not forget the crucial part of life, your insurance coverage, you will thank yourself in the future. Not only for you to be covered but your whole family. Owen Insurance group has you covered with 300+ agents around the Florida state. All your insurance needs: Medicare, Life insurance, Short term Medical, Long-Term Care Travel (medical) insurance and much more! The insurance you need is here with Owen Insurance group. Our team is here for you and we can be your Guide! We are always happy to provide a free quote and provide you the best options that suit your needs.

Medicare is broken into 4 sections: Part A (Hospital care). Part B (dr. visits/outpatient care), Part C (Medicare Advantage), and Part D (Prescription Drug Plans). Retirees with Advantage Plans usually inclusive of Part D as well as other misc. benefits, such as dental/vision, gym membership, etc. If you’re traveling out of your local area, you may have network limitations so be sure you are aware of these restrictions. Medicare Supplement plans do not have networks and therefore you typically do not have limitations and can get care from any doctor or specialist that accepts Medicare.

An interesting fact about foreign coverage, traditional Medicare does not cover you oversees. Only in the United States can you get coverage by Medicare Insurance. When traveling to a different country, don’t get blindsided! You may want to consider purchasing international travel (medical) insurance. If you are going to be traveling internationally, you should also consider purchasing a Medicare Supplement (Medigap) policy that covers foreign travel emergencies. Several Medigap plans will cover you for up to $50,000 of lifetime foreign travel benefits.

Retirees that are living oversees cannot use Medicare. Separate coverage must be bought so make sure you update your insurance coverage before getting on that plan or in the car. Retirees that plan to live or are living in a foreign country, with “a strong national plan” can possibly get into their system and pay similar coverage as other residents.

Social Security benefits are available to retirees in foreign countries.
- Getting Medicare While Traveling or Living Overseas. From www.elderlawanswers.com

You don’t need to call an automated insurance call center to deal with someone you don’t know. You have licensed, caring, authentic and hardworking local agents that are here for you! Call today for a breezy phone call with one of our dynamic agents. (772) 210-1020


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