Travel is a dream many have as they inter retirement. Most plans try to accommodate for these conjuring imagines. There is a wide spectrum among the Medicare policies offered.
Original Medicare allows you to see any Doctor that accepts Medicare and is taking new patients. That includes anywhere in the United States. If you add a Supplement Plan with Part A and B you will also receive the benefit above.
Medicare Advantage Plans (Part C) work within a network of Doctors. Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO) are the two network groups available. Within these two network groups are the individual insurance companies. Each insurance company many market both PPO and HMO plans. The benefits under each plan can be quite different.
The next bit of information is to be noted as generally the way the network functions in the subject matter. PPO’s are generally more flexible on the issue of travel. They are accepted in other states then the one the policy was written. The client is subject to the criteria we spoke of before, does the Doctor accept Medicare and is the Doctor taking new patients. In addition to these two criiterias, now the client must ask if the Doctor is in their network. HMO’s are more restrictive. I often refer to them as being territorial because they, generally are not accepted outside the state in which they were written. Some HMO plans also restrict the use to specific counties within the state.
All network plans include a provision while traveling for emergency care. If you are having an emergency, get to the nearest hospital for treatment. Some HMO plans are allowing an option when traveling out of state to call the phone number on the back of your plan card and let them know where you will be on your trip and they will let you know if there are any Doctors might accept the terms of the contract.