QUESTION: What are the best Medicare coverage options for COVID-19-vaccinated retirees who are eager to travel? My wife and I will both turn 65 over the next few months and would like to know which Medicare plans are best for extensive travelers.
ANSWER: The best Medicare plans for retirees who plan to travel will vary depending on your destinations. But, before you book a trip, make sure you know the current Centers for Disease Control and Prevention COVID-19 travel recommendations (see CDC.gov/coronavirus/2019-ncov/travelers), and research your destinations too so you can know if restrictions apply wherever you’re going.
Before we dissect how Medicare works for travelers, let’s start with a quick review of your different Medicare options.
One option is original Medicare, which covers (Part A) hospital services and (Part B) doctor’s visits and other medical services.
If you choose original Medicare, you may also want to get a Medicare (Part D) prescription drug plan (if you don’t already have coverage) to cover your medications, and a Medicare supplemental (Medigap) policy to help pay for things that aren’t covered by Medicare like copayments, coinsurance and deductibles.
Or, you could get a Medicare Advantage (Part C) plan instead, which is sold through private insurance companies, and covers everything original Medicare covers, plus many plans also offer prescription drug coverage and extra services like vision, hearing and dental care all in one plan.
Originally Appeared On: https://richmond.com/zzstyling/qa/savvy-senior-medicare-coverage-options-for-retirees-eager-to-travel/article_dee15124-26b7-57ba-bcc1-7947c37adacc.html