I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?
Answered by 10 licensed agents
Answered by Larry Dalton on April 8, 2025
Broker Licensed in OK & TX
Covers you nationwide — any doctor or hospital that takes Medicare.
No networks, so it works anywhere in the US that accepts Medicare..
Pair it with a Part D drug plan for prescriptions.
Medicare Advantage Plans are network-based and area-specific.
If your plan is based in SC, it may not cover non-emergency care in FL (or may have out-of-network fees).
Some PPOs offer limited nationwide coverage, but it’s plan-specific and not guaranteed.
Bottom line:
If you’re a snowbird, a Medigap plan is your most flexible, travel-friendly choice.
Want help checking what Medigap plans are available to you now?
Answered by Nikki Rowland on April 13, 2025
Broker Licensed in SC & NC
Answered by Tom Rogala on April 5, 2025
Agent Licensed in MI, AR, AZ & 10 other states
Answered by Michael Ryan on March 27, 2025
Broker Licensed in CA, AZ, CO & 7 other states
If you want to have coverage no matter where you are in the United States, the best option is a Medicare Supplement (Med-Supp) plan that works with original Medicare. Since it doesn't include prescription drug coverage (a PDP), you need to get one in addition to Med-Supp. There are rules that vary from state to state that determine when you can enroll into Med-Supp without medical underwriting, but specific rules on when you can enroll into a PDP. Open enrollment for PDPs is during the Annual Enrollment period from Oct 15-Dec 7 annually. You may also enroll in a PDP if you have a special enrollment period available. Med-Supp allows you to see any doctor anywhere in the country who accepts Original Medicare as payment for services.
If you have a Medicare Advantage (MA or MAPD) plan, you can use it for emergency or urgent care situations when you are out of the service area. You cannot use it for routine services unless it's a PPO. Using a PPO out of network can expose you to higher co-pays. If you are out of your service area for over a certain amount of time- usually 6 months- you may be disenrolled. If you have further questions, I'm happy to answer them.
Answered by Cynthia Nakaya on April 21, 2025
Agent Licensed in CA, AZ, CO, GA, MO & TX
Answered by Nolan Popel on April 14, 2025
Agent Licensed in NY, AZ, CA & 15 other states
Answered by Shelly Hefley on March 28, 2025
Broker Licensed in IN, AL, IL, KY & TN
Answered by Michael Crocker on April 11, 2025
Broker Licensed in SC
If it's non emergency care that you need and you will probably want to have a Medicare Advantage PPO coverage, because you will be covered both in and out of network(out of network will cost more) and you will not need referrals.
Ideally, you should have Medicare Supplement coverage, because with this coverage you get get care from any provider that accepts Medicare. You never have to worry about networks and you can get care in any state.
Answered by David Silver on April 2, 2025
Agent Licensed in FL, NJ & NV
Answered by Larry Pereiro on April 18, 2025
Agent Licensed in IN
Tags: Coverage
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