Many people start to plan their yearly travel this time of year. Medicare participants should understand how traveling can impact your Medicare coverage. Here are a few items to consider before you hit the road.

1. If you are planning a cruse there are different rules that apply. Contact Columbia River Insurances Services and speak to one of our Medicare agents in Vancouver, Washington for a complimentary review.
2. Emergency services will be covered within the U.S.
3. If you require non-emergency care, most doctors will accept Medicare Insurance.
4. If you are planning travel outside the U.S., Medicare coverage is limited.
5. Some Medicare Advantage plans provide worldwide coverage benefits for senior health care insurance needs, but you will have to verify with your plan prior to traveling outside the U.S. to be sure.
6. You are going through Canada to Alaska and you need medical care, Medicare may pay for services in a Canadian hospital.
7. The U.S. Virgin Islands, Guam, American Samoa, the U.S. Northern Mariana Islands, inside the U.S. borders are all considered U.S.
8. Retirees who are moving to a foreign country cannot use Medicare to pay for health care while they are living overseas. You will need to purchase private coverage.

If you have original Medicare and need to obtain durable medical equipment or supplies while traveling, you must use a Medicare-approved supplier. For a list of approved suppliers, visit www.Medicare.gov/supplier.

We do have options for those who may require additional coverage while traveling, so please call us at Columbia River Insurance Services today. You may reach our Medicare agents in Vancouver at 360-883-5776. We’re located at 1503 NE 78 Street, Suite 1A, Vancouver, Washington 98665. Enjoy your travel!