Article originally appeared on CNBC.com
Written by Sarah O’Brien
“If you’re a retiree on Medicare and feel the itch to travel, be sure you know whether your insurance plan can go with you.”
“Whether you want to hit the road for a U.S.-based trip or head overseas, coverage at your destination hinges on the specifics of your Medicare plan. The nature of your care — routine or emergency — also may play a role.
“Just over a quarter of Americans (28%) say they’ve fallen ill or been hurt while vacationing, according to a recent study from personal finance website ValuePenguin. Among that group, bacterial or food-borne illnesses were most common (33%), followed by respiratory illnesses (28%) and bodily injuries (24%). Additionally, 12% of them said they contracted Covid while on vacation.
“In other words, it’s worth knowing what to expect from your Medicare coverage so there are no surprises if you need to visit a doctor or other health-care provider while away from home.
With basic Medicare, U.S. travel is straightforward
“Basic Medicare is Part A (hospital coverage) and Part B (outpatient care). Beneficiaries who choose to stick with that coverage — instead of going with an Advantage Plan — typically pair it with a stand-alone prescription drug plan (Part D).
“If this is your situation, coverage while traveling in the U.S. and its territories is fairly straightforward: You can go to any doctor or hospital that accepts Medicare, and most do, whether for routine care or an emergency. It’s when you venture beyond U.S. borders that things get trickier.”
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Amy Anderson joined the ILG Financial team in 2023 as the client relations coordinator. Her responsibilities include scheduling of appointments, annual check-up notifications, and annuity and required minimum distribution assistance. She is a graduate of Harding University with a degree in Computer Information Systems. Amy and her husband have two children and she enjoys reading, crocheting, music and spending time with her family.
Chase Lopez joined the ILG Financial team in 2020 as an advisor. Chase is a 2016 James Madison University graduate with a degree in management. Chase has been trained under the tutelage of Dave Lopez, who is not only the founder and managing member of ILG Financial, but also is Chase’s uncle and godfather. He also enjoys working alongside his cousin, Megan, who is Dave’s daughter. Chase, as a fiduciary, believes in putting his clients interests first, and building out plans for his clients where they can have a happy and fruitful retirement. He married his beautiful wife in February 2022 and both use most of their free time chasing around their little pup, Aurora.
Jessica Carson joined the ILG Financial team in 2018 as an agent. Jessica and her husband have four children, two dogs, 3 barn cats, 5 chickens, and three parakeets. She indeed loves her children and pets! When not at work, Jessica enjoys playing the piano and cello as well as traveling and spending time outside with her family, hiking, fishing, and boating.
Terri Center joined the ILG Financial team in 2019 as client services manager. She handles client records, application processing, and gathering information to provide a professional and friendly experience with all of our clients. Terri is a graduate of Oakland University. She is married and has two children. She enjoys hiking, family time, and puzzle challenging video games. She also likes to share her creativity in her canvas paintings and sewing projects.
Megan Jones joined the ILG Financial team in 2020 as marketing director. Megan and her husband live in Fredericksburg, VA with their German Short Haired Pointer, Gus. Megan is a graduate of Longwood University and holds a degree in communications. Megan is the oldest of Dave Lopez’s three children and not only enjoys working alongside her father, but also with her cousin, Chase, who joined the ILG Financial team in 2020 as an advisor. When not at work, Megan enjoys sitting on the back porch with family and friends enjoying food and music.