Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?

Question

Melonie Wood · Accepted Answer

It really isn't since original Medicare only pays 80%, the member is responsible for 20% of everything which can become costly. and you have to PAY for Part D every month & pay for your medication. A Medicare Advantage Plan includes drug coverage with Tiers 1 & 2 usually $0 costs , depending g on the plan

Answered by Melonie Wood on March 25, 2025

Agent Licensed in FL & AL

Answered by Melonie Wood Medicare Insurance Agent

Justin Scheiner · Answer

Original Medicare combined with a Part D prescription drug plan offers flexibility, nationwide access, and consistent coverage, making it an excellent choice for frequent travelers. Unlike Medicare Advantage plans, which are often geographically limited and depend on specific provider networks, Original Medicare with Part D ensures you can access care and prescriptions anywhere in the United States without restrictions.

Answered by Justin Scheiner on March 31, 2025

Agent Licensed in FL, CT, GA, NJ, NY & SC

Answered by Justin Scheiner Medicare Insurance Agent

Michael Kim · Answer

You might want to have a Medicare Supplement Plan along with a Stand Alone Part D plan so you don't have any limitations. Meaning you can go anywhere see any doctors as long as they accept Medicare. You will have to pay a monthly premium for your Medicare Supplement Plan along with your Stand Alone Part D Drug Plan. Which I can go over that with you based on your age, gender, county, and state.

Answered by Michael Kim on March 25, 2025

Agent Licensed in NV, AR, AZ & 18 other states

Answered by Michael Kim Medicare Insurance Agent

David Silver · Answer

Because you never have to worry about ANY network restrictions. You can use Medicare in  all 50 states and US territories.  So if you're a frequest traveler or have residences in multiple states, having straight Medicare and a supplement(Medi-Gap)makes getting care much easier.

Most drug plans have very large national retailers in their network. So getting prescriptions in other states is easy with a stand alone Part D drug plan or through a Medicare Advantage plan.

Cleo Martin · Answer

Yes, because you don't have to worry about networks for doctors and hospitals.  You also don't have to worry if you have traveling benefits.

Michael Crocker · Answer

Medicare Advantage plans utilize networks to help keep costs down, while Original Medicare is taken by any provider that accepts Medicare. However, emergency room and urgent care visits are generally covered anywhere in the US on Medicare Advantage plans. Also, many large Medicare Advantage plans now have nationwide PPO networks, so that even for routine, non-emergent or non-urgent care, a member only needs to call his/her customer service number to find a local in-network provider when out of town.

Answered by Michael Crocker on April 2, 2025

Broker Licensed in SC

Answered by Michael Crocker Medicare Insurance Agent

Donna Slater · Answer

With Original Medicare, you may go to any facility that accepts Medicare. With a Medicare Advantage Plan, you may be limited to facilities outside of your service area.

Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents Hub
A non-government resource website

Why might Original Medicare with a Part D plan be better than a Medicare Advantage plan for frequent travelers?

Agents: Share Your Expertise

Related Questions

Agent Locator

Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website