I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?

Question

Michael Ryan · Accepted Answer

You actually have several options. Sounds like you have a HMO Advantage plan where you live. One option would be to stay on original Medicare with a supplemental plan. That would allow you access to any provider that accepts Medicare across the country. Another option would be a PPO Medicare Advantage plan if its available in you area. Several national carriers have network providers across the nation and would also provide coverage out of network.

Answered by Michael Ryan on March 27, 2025

Broker Licensed in CA, AZ, CO & 7 other states

Answered by Michael Ryan Medicare Insurance Agent

Shelly Hefley · Answer

A Medicare supplement is always best for snowbirds - it covers you anywhere! But sometimes that is not affordable so Medicare Advantage plans that have a wide network which would cover your providers in both locations!

Answered by Shelly Hefley on March 28, 2025

Broker Licensed in IN, AL, IL, KY & TN

Answered by Shelly Hefley Medicare Insurance Agent

David Silver · Answer

If it's an emergency or urgent care situation, your Medicare Advantage HMO and PPO and Medicare supplement will cover you.

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.

I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?

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I thought I was covered during my snowbird months in Florida, but apparently not. What kind of plan do I actually need for that?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website