Pamela Masters, Medicare Insurance Broker

Answer: The best way to get information about Medicare advantage plans is to talk with an agent who sells all the plans in your area. They can give your doctors and medications a thorough comparison to see which plan is best for you. They can explain the differences between Medicare supplements and Medicare advantage plans. They can explain how each interacts with Medicare.

You can also go to Medicare.gov to see the plans available in your area.

Answer: Yes, the 5 star special enrollment allows you to move into a 5 star plan from another plan or from original Medicare one time in a given year from December 8 to November 30 of the next year. You can also switch to a 5 star prescription drug plan one time in that year but cannot have a Medicare advantage plan with that PDP.

Answer: If you are just on original Medicare you typically pay coinsurance of 20% after you have paid the deductible on anything that Medicare covers.

If you have a Medicare advantage plan the plan documents will tell you what copays and coinsurance you have to pay. Those are different depending on each plan.

Answer: You can go to ssa.gov to look up the income levels for IRMAA. They give you a table that shows the amounts with filing status like married filing jointly, single etc. They list your MAGI and then tell you the amount the part B premium is adjusted.

Answer: They reset every benefit period. Medicare benefit periods under part A starts upon becoming an inpatient in the hospital and ends when you have been out of the hospital or skilled nursing facility for 60 days in a row.

You also have extra lifetime days to use if you run out of days that Medicare will cover. These 60 lifetime days can only be used one time in your life.

Medicare advantage and Medigap plans are figured differently and provide you with more days.

Answer: Yes part B covers chiropractic visits. It is, however, only limited to medically necessary manual manipulation of the spine to correct misalignment of the spine also call vertebral subluxation. They do not cover tests a chiropractor orders such as x-rays, massage therapy or acupuncture.

Some Medicare advantage plans cover x-rays and acupuncture.

Answer: Medicare part B provides care for outpatient medical. Things like doctors visits, lab tests, diagnostic testing, x-rays, ambulance transport among other things. The monthly premium for part B in 2026 is $202.90. There is also a yearly deductible for part B. For 2026 it is $283. You will also have a copay for part B. Generally you pay 20% of any costs that Medicare covers.

Answer: They can change from year to year. Some years they may stay the same and some years they may go up or down.

Answer: You will not as long as you have credible coverage. Ask the HR department to see if it is credible.

Answer: It would be a good idea to check with your counties Medicaid office. You may qualify for help in that area. Each state has different qualifications so if you’ve tried before somewhere else I would advise you to try again. Also if you don’t already have extra help I would advise you to do that as well. Extra help gives you help with prescription plans and with the cost of prescriptions.

Answer: When purchasing stand alone Medicare prescription drug plans, each have different prices but also different formularies or medication lists. It is importantly to check the formularies and compare pricing and coverage before jumping into a less or more expensive plan.

Answer: To check your medications to see if they are on the formulary for a certain plan you can ask an agent to help you. They usually have access to various plans and can compare to help you.

You can also go to the company website and put in your medications in the drug estimator and see if that company and plan cover that medication and what tier it might be on.

You can also go to Medicare.gov and set what is covered under each plan

Answer: Medicare educational meetings are helpful to teach you all the basics of Medicare and how it works alone, with an Advantage plan, and with a supplement (Medigap) plan. These meetings are not allowed to be a sales meeting. You must set another time with the agent to learn about individual plans.

Two other kinds of meetings agents are allowed to have are informal and formal events. At these they are there to show you some of the plans available and to see what those plans offer. They may be able to show more than 1 companies plans or just 1 companies plan, depending on how they are set up.

Answer: Each company has a website that allows you to check to see if your doctors are in network. You can also ask an agent to help check them. Remember, there are several types of advantage plans. Some allow you to go in network but also allow you to go out of network for a bit higher copay. Some advantage plans require that you stay in network.

Answer: LIS ( low income subsidy) and Extra help are the same thing and, based on income, it allows you to get your medications for less, covers your prescription drug deductibles and gives discounts on the premium for prescription drug coverage.

If you have Medicaid you will also have extra help. If you don’t have Medicaid you can apply for extra help. Again extra help is based on income amounts.

Answer: Medicare will cover up to 100 days in a skilled nursing facility. Other than that coverage, Medicare does not cover assisted living at all. The best way to cover assisted living is to get long term care insurance.

Answer: The one I see most often is for people who are turning 65 to not get a prescription drug plan. It can be a stand alone prescription drug plan or it can be a part of a Medicare advantage plan known as an MAPD plan. If you feel like you don’t need one but later need help covering medications and decide to get a plan, you have a penalty. Have your agent help you find the most inexpensive one for your needs and save yourself the extra expense later on

Answer: For a healthy 65 year old, the most cost effective way to structure your insurance would be to get a low or no cost Medicare advantage plan that has prescription drug coverage in the plan. These are known as MAPD plans

Answer: You can switch to a Medicare advantage during annual enrollment. Annual Enrollment goes from Oct 15-Dec 7. There are some special circumstances that allow you to switch or get a Medicare advantage such as getting or losing Medicaid, moving out of the service area for your current plan among several others

Answer: An HMO only allows you to stay within the network of doctors. I’d you go outside of the network you would have to pay for the whole visit yourself.

Answer: If it is shown to be medically necessary it is still allowed after age 78. It must be pre approved by the insurance company. There are some health risks and some doctors may want to use another kind of diagnostic tool.

Some preventative screenings stop being covered at that age.

Answer: Some people love Medicare advantage plans. It allows you to have prescription drug coverage on most plans, visions, dental, and hearing extra benefits, again on most plans. This can save money and confusion.

However, Medicare supplements can be best for others. It’s covers your in-patient and out-patient needs like Medicare does. It also allows you the freedom to go to any doctor or facility in the US that takes Medicare.

Medicare supplements are standardized. This means that they are the same no matter what company your purchase through.

It really is up to you what you pick by how you look at your budget and what kind of insurance plan you prefer.

Answer: Your doctor decides what you need medically and then he sends it to your insurance for approval. If Medicare covers it, an advantage plan has to cover it as well. If Medicare doesn’t cover it then your Medicare advantage plan won’t cover it either unless it is an ancillary benefit such as dental, vision, hearing or prescription drugs.

If your advantage plan says it’s not necessary you can appeal the revision

Answer: It depends on why you are getting a bill. There are a few factors that can cause this like for instance, if your plan is a PPO and your doctor is out of the network it would be more expensive to use them. Another example of why it might be more expensive could be because your copays or coinsurance is more on this plan than on the one you use to have.

The best thing to do is to talk with an agent that sells all or most of the plans in your area and make an appointment to review what you have, compared to other plans that may have a higher premium.

You can also go to Medicare.gov to compare plans

Answer: That can be a complicated question to answer. It all depends on your specific situation.

The best way to get information about this is to go to Medicare.gov. They can break it down to the scenario that fits your needs and situation.

Answer: It depends on the Medicare Advantage plan. Some Medicare advantage plans have coverage for cleanings and even comprehensive dental as well.

Original Medicare doesn’t cover dental at all so you would either pay out of pocket or purchase a stand alone dental plan to help cover your needs.

Answer: The biggest difference is that with Medicare advantage you have a plan that typically covers medical part A and B and part D for your drugs. They also can cover vision, dental and hearing as well as other benefits that may be added. You also don’t typically have deductibles for your medical side.

Original Medicare only pays for part A, hospital, and part B outpatient. You also have deductibles for both part A and part B.

Answer: Yes, they can help you find that and more. They should be able to show you the plan or plans that give you exactly what you want and need if it is available in your area. The best place to find what is on a plan is to look through the summary of benefits for that plan. I hope you find what you need

Answer: That must be very frustrating. Being on a PPO does allow you flexibility in choosing providers. With a PPO it still allows you to stay in the network of doctors which is always cheaper but yes PPO’s do charge more for out of network providers.

You can look at your summary of benefits to see how much you will pay if you decide to go out of network. Each plan is different in their copays so always know how much your particular plan costs you if you do go out of the network. Always know your copays before you sign up for any plan. Ask to see the summary of benefits first. Best of luck.

Remember you have an opportunity to switch plans 1 time during open enrollment from Jan 1-March 31 of each year if you are in a Medicare advantage plan. Or, during the open enrollment, you can also go back to original Medicare.

Answer: Yes, plans are usually set by counties. Also, what is good for your friend may not be good for you in your location. They do vary by area so some companies may have plans that’s are better for you in your area. If you can talk with an agent it might be helpful, especially if they sell all the Medicare advantage plans in your area.

Don’t forget that from Jan 1 -March 31 you can switch Medicare advantage plans 1 time or drop your Medicare advantage plan and go back to original Medicare.

Answer: There are some plans that have that. It’s only for people who have Medicare and Medicaid. There are some regular Medicare advantage plans that have that but not very many.

It might be best to speak with your agent because if they are contracted with plans in your area they would be able to give you all of that information.

Answer: I’m sorry to hear that your medications are expensive. There are options to possibly lower the cost on some things. Țry Goodrx. It may cost less with them. Also, find out if you are eligible for extra help. This will low the cost of your medications significantly. This is a government program based on your income.

Also in 2025 the donut hole was eliminated. Yay! The cap for medications this year is $2000

In 2026 things have changed a bit more. The cap is changing to $2100. Also a lot of the companies selling Medicare advantage are charging copayments for tier 1 and tier 2 drugs and coinsurance (percentage of the price) for tiers 3-5. This will change the amount you are paying.

One last thing to add: even people who are on the dual plans will be paying copays for their medications based on extra help prices.

Answer: Your plan covers specialists. Fora Medicare Advantage plan:

Check your evidence of coverage to see what procedures are covered. Also check your plans summary of benefits to see what your specialist copay or coinsurance is and diagnostics such as labs, MRI’s and CT scans etc are, to be informed just in case they are needed. Best to you as you move forward.

Answer: If you are brand new to Medicare you can start looking right away. If you have been in Medicare a and b for more than 6 months it’s best to start looking around October 1 . I’f you have a special enrollment period you want to look right away.

Answer: Not by original Medicare. They are a part D drug and would be covered under a Medicare advantage plan that has prescription drug coverage in the plan or a stand alone prescription drug plan.

Each plan has a medication list which is called a formulary. Plans cover inhalers and meds that go in nebulizers, but each plan has its own list so always check to see if your brand is covered by the plan you wish to enroll in.

An agent can help you find out what medications are on the list for a certain plan.

Answer: So annual enrollment is from October 15- Dec. 7. You can change your plan choice as many times as you want in annual enrollment. The last plan you enroll in before the end of day on Dec. 7, is the plan you will have on January 1. This is for Medicare Advantage and prescription drug plans.

January 1-March 31 we have an open enrollment period that is only for Medicare Advantage plans. During this time if you are on a Medicare Advantage and want to change plans you can do a one time change from one advantage plan to another or return to original Medicare.

After open enrollment you do not have another time to switch plans unless you have a special life change such as moving or getting or losing Medicaid.

Answer: Maximum out of pocket means that it is the most you will spend out of your pocket in a given year. Once you reach the maximum out of pocket amount, which you plan keeps track of, you pay $0 for copays and coinsurance for the rest of the year. This starts again every January.

Answer: Let’s first address the representative. If you feel the agent has done a thorough job of showing you what is available and giving you all the information you need as well as checked doctors, hospitals, pharmacies and medications, that is the first step. I also feel it is importantly that you like your agent and have rapport with them. As your agent shows you the available plans they can help you decide what company and plan fits your needs and desires the best.

You can also google reviews of a plan or go to Medicare.gov to see the plan ratings. Your agent can also share that information with you as well.

Answer: I explain to my clients the definitions of each thing like premiums, copays and coinsurance. We go through the plan thoroughly as well so by the time our appointment is over they will have all the information. I also leave a book with them to help remind them of what we discussed.

Answer: If you are on Original Medicare go to Medicare.gov to look it up. If you have a Medicare Advantage plan you can look in the evidence of coverage for your plan to see if it is covered by your plan.

Answer: You automatically will receive a Medicare card that starts the month you turn 65. When you receive your card you will also receive instruction about your Part B. Read it thoroughly so you know what to do next.

Answer: Most Medicare advantage plans that I work with have a copay for labs. Some companies charge $0. Know what your Medicare Advantage plan charges as a copay or a coinsurance. If you get a bill for more than what your plans says is your share call your agent or the plan customer service to help you.

Answer: If you have Original Medicare there are 5 levels of appeal. You start at one and once the determination is made if you need to you can go to level 2 and so on. If you go to Medicare.gov it will give you details about how to proceed.

Answer: There are two types of Medicare agents. One is a captive agent. A captive agent can only sign up people for the company they are contracted with.

Then there are independent agents. They are contracted with multiple companies and provide you with the information on most plans in your area and if contracted with that company can sign you up.

Agents are paid on commission so if you use an agent to get all the information but don’t go with that agent, they do not get paid. All we ask as agents is please be kind and thoughtful.

Answer: It is a free service. All the agents I know don’t charge for that service and will come to your home or a nearby meeting place if you ask them to

Answer: You should have already received it. If you have not received it you can call your agent and get the information from them. You can also call the customer service number on the back of your card.

Answer: A couple of examples of scam calls might be if they ask you for your social security number or if they say they are from Medicare or social security. The best way to protect yourself is to never give out personal information on the phone until you have verified that the call is legitimate.

Answer: A scope of appointment is permission from you to talk about certain types of plans. The boxes at the top of the scope show what you and the agent have agreed to talk about. This scope must be signed at least 48 hours before you talk about any plan information.

There are certain times when a scope can be signed on the day you talk about the plan. For instance, if you drop into an insurance office with no appointment. Call centers also are not required to do scopes of appointment.

Answer: Yes. Your plan will send this every year around October 1st. These are very important to read because they give you all the information you need for your plan for the next year.

Answer: There are two main times when you can change your Medicare plan. The first is from October 15-December7. During this time you can enroll in multiple plans. The last plan you enroll in is the plan you will have on January first of the next year.

The next enrollment period is call open enrollment and is from January 1st until March 31st. During this time you can switch your Medicare Advantage plan 1 time. You can choose another Medicare advantage plan or choose to return to original Medicare and get a stand alone drug plan (part D).

There are several ways outside of that enrollment period when you can change. A couple of these times are if you move outside of your plans service area, or if you start receiving Medicaid or lose Medicaid. These are call special enrollment periods.

Answer: Yes. You can use your HSA contributions to pay for Medicare expenses like premiums on Medicare advantage, Part B premiums and part D premiums. You can also use it for deductibles, copays, and coinsurance. The thing to remember is that you can no longer contribute to your HSA after you start receiving Medicare.

Answer: With original Medicare they don’t pay for services provided outside the US except in some cases close to the border. If you have a Medicare advantage plan, your plan may pay for emergencies outside the US. You would need to look at your plans evidence of coverage document to see if and how it works.

Answer: Medicare Advantage plans are through private insurance companies. The difference is that they must be contracted with Medicare and provide everything Medicare provides. Medicare has to approve each plan before it can be released to the public.

Answer: Yes as long as you are present or they have a power of attorney. With your permission we can talk about the plan with them but in order to finalize the plan it is important for the agent to make sure the client understands the plan and you would have to sign the application or agree to an electronic signature.

Answer: Because you pay as you go for the most part, you can’t always budget because each month it may cost a different amount than the month before.

Answer: If you can find a plan that has it in the network it might be worth switching or see if a PPO is available in your area and has a reasonable out of network hospital co-pay, it’s an option. Also, you might consider ia medigap plan. On a medigap plan you can go to any doctor that accepts Medicare.

Answer: I always tell people that with a medigap plan you pay each month to protect yourself from a catastrophe. With a Medicare advantage plan you pay as you go. Also if you want to know exactly what you will be paying out each month and have a plan G or N it helps with budget.

Medicare advantage can save you money if you don’t have a lot of specialists visits and hospital visits in a year. It’s really a personal preference.

Answer: For supplements like vitamins, some cover some vitamins. Natural medicines, homeopathy or alternative medicines are not covered.

Answer: When deciding what Medicare plan to choose always consider your needs, how much the plan costs in premium, copays and co-insurance. Also consider the extra benefits like dental, vision, and hearing. There are several factors to look at.

Answer: I would say, get as educated as you possibly can and know what the plan you choose gives you in benefits. Also, understand how much the plan will cost you.

Answer: The annual enrollment starts Oct 15 and ends Dec 7. At that time you can switch plans. If you have a Medicare advantage plan, there is a second chance to switch plans. That is open enrollment from Jan. 1-March 31. During open enrollment you can switch plans one time or go back to original Medicare.

Answer: I love helping people understand Medicare and what options they have that will save them the most money. I enjoy meeting people and hearing their stories too.

Answer: If I’m understanding you correctly, you get part A with $0 premium if you worked 10 years and paid FICA tax. Part B is like purchasing an insurance. You pay for it monthly through social security. It is taken out automatically. If you don’t get social security yet they will bill you quarterly. In 2025 Part B is $185 per month.

Answer: uUpdate your address with your plan They can tell you what changes for you. If you have a prescription drug plan you will want to check with your plan about changing that as well.

Answer: What I encounter the most is that Medicare is free because you payed FICA tax to cover the premium, and it covers everything you need.

Answer: It is based on your needs and the things you would like to see on your plan. Talking with an agent is always a good way to know what is available in your area.

Answer: You can if you have a power of attorney that allows you to do so. If you do not, an advisor needs permission from them to speak with you and they have to approve the plan and also sign for the plan to enroll.

Answer: It is personal preference. I usually tell people who ask that with Medicare supplements you pay ahead of time to protect yourself in case of an expensive event. With a Medicare advantage you pay as you go for the most part. You may have a small monthly premium but most of the expense on medicare advantage plans are through the copays and co-insurance. With a supplement you will need to purchase a separate prescription drug plan. With a Medicare advantage you usually have prescriptions included in the plan plus other benefits like dental, vision, and hearing that might also be included in the plan.

Answer: Yes. Some plans allow you to travel in the US and be covered. Some plans cover you world wide in case of an emergency. Check with your plan for specific details.

Answer: Maybe sit with them and say teach me what you know about Medicare so that if there comes a time I need to help you I will know what to do. If they say they don’t know very much ask them to meet with an agent with you.

Also I have educational meetings, usually at a restaurant and teach Medicare basics. Children of over 65 or disabled parents would be more than welcome. Look in your area for one of these. Your parents may receive invitations to these kinds of meetings

Answer: Just make sure that you see all the changes. By this time in the year you are probably familiar with your plan so in the column for next year, make sure you are happy with the changes. If you don’t understand something, call your agent or member services for your plan

Answer: Yes. If they are licensed in your state they have been trained to sell the plans in your state. If you try an agent and feel they are not up to your standard, young or more mature, talk with a different agent. Sign an application with someone you are comfortable with. They become your agent for that plan.

Answer: You should check with your agent or your plan. Sometimes plans stay the same in different counties and sometimes they don’t. It is very easy for your agent or plan to check for you

Answer: I’m not sure exactly what you’re referring to but you may be talking about plans that are HMO’s and plans that are PPO’s

An HMO is a health maintenance organization and you stay in the network of doctors that that have contracted with that plan. A PPO is a preferred provider network and you are allowed to go in network and save money or go outside of the network of contracted doctors for a little more money. Hope that is helpful

Answer: It depends on what you are changing from and what you switch to. It’s also dependent on the state rules in your state. There are several factors so it might be beneficial to either speak with the company you’re switching from and to it, talk to an agent in your area to get clarity

Answer: That is all a matter of opinion. A Medicare advantage plan gives you everything that original Medicare gives you and most add benefits such as: dental, vision, hearing and prescription drug coverage. As with original Medicare you do have copays but, you can get plans that have $0 deductibles on medical. Also Medicare Advantage plans have a maximum out of pocket that keeps you spending from getting out of control during a Christophe’s event. It’s really a personal choice.

Answer: Yes, each year towards the end of the year, Medicare sets the deductible price for the next year. You can Google it or go to Medicare.gov

Answer: I have a guide that makes it simpler and also give seminars for people coming into Medicare. Also, when I have an appointment with someone that is going to start Medicare soon, I try to educate them on my first visit with them. I am willing to inform and help until you are comfortable.

Answer: Annual enrollment is open right now. You can start a new plan on January 1st, 2026. You may qualify for a special enrollment so call an agent today to help.

Answer: I can’t really address the mistakes as much as how to pick one. When you are looking for a Medicare prescription drug plan first look at the deductible on the plan you are looking at.

Next, check all of your meds to make sure they are covered and what tier they fall under. Don’t assume that each plan will cover your meds. Each plan has a different list of medications or formulary.

Next know how much each medication would cost you each month. Also know what the monthly premium is.

Don’t assume that a plan that charges $0 premium is going to be the cheapest plan for you.

Lastly, check to see if your pharmacy is in the network. Plans also have a mail order pharmacy and on some plans you can save money by using them and they come right to your mail box.

Answer: Medical plans are put out by private companies and even though they work with Medicare they are not put out by the government. They do have underwriting which can affect your ability to have the plan. Medicare Advantage plans do not have underwriting and cannot turn you down for health issues. They are also put out by private insurance companies.

Answer: An agent can help you with pre-enrollment, post enrollment and help navigate the plan. They can also help with answers about bills. When annual enrollment comes each year on Oct 15th, they can show you plans and advise you on what plans might be best for you. If they live near you they can meet in person. Remote agents can’t help in the same way. Telesales doesn’t allow you to get ahold of the person that enrolled you. You just talk with whomever is available.

Answer: There is no longer a donut hole. With the inflation reduction act the donut hole disappeared this year. You go straight from the initial stage to the catastrophic stage.

Answer: Hospitals contract with each hospital and if the company and the hospital can’t come to an agreement at renewal time then they are not in network. I don’t know about them not filing but that at least is one reason

Answer: You can enroll the three months before your 65th birthday, the month of your birthday, or the three months after your birthday. Medicare would start no earlier than the first day of the month of your birthday. If your birthday is on the 1st day of the month your initial enrollment period starts 4 months before your birthday month, the month of your birthday, and 2 months after your birthday month.

Answer: There is no limit to how much Medicare pays for your medically necessary outpatient therapy services in one calendar year. If you have other insurance like a Medicare advantage plan you would need to look at your evidence of coverage document or talk with your agent or the plan to see what limits you have with them.

Answer: Critical illnesses can be very stressful and expensive. If you can afford to add to original Medicare, it's always a good idea. It gives you peace of mind. If you are on a Medicare advantage plan then out of pocket expenses have a cap or limit called a max out of pocket. If you have a Medigap plan it depends on which one you have. Just remember, Original Medicare alone has no out of pocket maximum.

Answer: The biggest mistake in my opinion is not really understanding their options, benefits and costs. Find someone that can help you navigate either original Medicare, Medicare advantage plans or Medicare supplements.

Answer: Medicare can be complicated so making sure they understand their options, plan and benefits is important. It may take a few times of checking in for them to know exactly what their costs and benefits are.

Answer: It depends on the plan. If your plan has world wide coverage then look at the evidence of coverage to see what your plan covers. Most plans that cover you world wide usually only cover you in an emergency.

Answer: When you have a Medicare advantage plan, you only pay what your Medicare advantage cost is. Medicare gives the management of your plan over to the Medicare advantage plan. So you will only pay the co-pays on your Medicare advantage and no deductibles from Medicare

Answer: Helping people navigate and understand Medicare and the options they have. Medicare can seem complicated and I try to make it as easy to understand as possible while still giving needed information.

Answer: That is a very good question and isn’t easily answered in a few sentences. The best way to get a clear answer that fits your circumstances is to go to the medicare website and in the search bar ask the questions you want answered. There are various answers depending on your employer's insurance.

Answer: Not necessarily. Check with your plan to see if that medication is covered in the dose you take. That’s the first step. If it’s not covered then ask your doctor to request an exception from your plan. If the plan denies the coverage then during AEP ( annual enrollment period from Oct 15-Dec 7) it would be a good idea to check other plans to see if they cover it for next year.

Answer: No. Even though you have to have Medicare to have a Medicare Advantage plan, the Medicare Advantage plan becomes your primary insurance and you can only use your original Medicare if you drop you Medicare advantage plan.

Answer: It depends. The best way to choose a plan is decide the 3-5 most important things you want in a plan, then with the agent helping you, look at the plans and also check medications and doctors. Make sure you give the agent at least an hour and a half to go over your plan choices. . When they are done you should have a very clear understanding of the plan. If not keep asking questions

Answer: It depends on which plan you can get. Some Medicare Advantage plans have $0 monthly premiums, while some have monthly premiums. Most Medicare Advantage plans have a co-pay for doctors and hospital visits as well as co-pays for diagnosis positives, x-rays. Emergency and so on. A few plans have no out of pocket costs.

Answer: Medicte cover the basic monofocal lens that replaces the closed natural lens. The other types of lens such as toric lenses, multifocal or extended depth of focus lens are not covered by Medicare.

Answer: Yes, it covers the 50 states, the District of Columbia, Puerto Tico, the US Virgin IslandsIslands, Guam, the Northern Mariana Islands and the American Samoa.

https://www.medicare.gov/coverage/travel-outside-the-u.s.