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Beat the Heat Coverage Checkup

The Medicare Scoop: Summer Travel - "Beat the Heat" Coverage Checkup

May 25, 20261 min read

Traveling This Summer?

Make sure your Medicare Plan keeps you protected wherever summer takes you.

It's official, Summer is here! Which means vacations. Family visits, road trips, and enjoying the sunshine. Many people are surprised to learn the Medicare coverage can change depending on where you travel. Here's a few important things to consider.

Does Your Medicare Coverage And Medigap Policy Protect You For International Travel?

Don't forget to pack the right health coverage along with your passport. Many travelers are surprised to learn that Medicare offers little to no coverage outside the United States, and your Medigap plan come with limits. Most only cover emergency care, pay 80% after the deductible, and cap benefits at a $50,000 lifetime max. Translation: your dream vacation could turn into an expensive souvenir if you're not prepared. Before you head overseas, let's review your coverage and look at travel medical insurance for extra peace of mind! A quick review can help avoid costly surprises later!


How Can I Fill the Gaps?

It is recommended for travelers on Medicare to purchase separate travel insurance. The lifetime max benefit of $50,000 with a Medigap policy can be exhausted quickly. Medical evaluation alone can cost $50,000-$250,000. Some hospitals require an upfront payment. Travel insurance provides more comprehensive protection and will cover the gaps that your Medicare and Medigap policies do not while on international travel.


Smart Summer Planning

  • Review your current coverage

  • Check prescription access while traveling

  • Ask about travel medical insurance options

  • Understand emergency and urgent care benefits

  • Make sure your ID cards and medication lists are packed


Questions? Contact Keli Gideon by calling our Kearney office at 308-698-0144 or sending her an email message at [email protected].

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