Retirement often means more freedom—more time to visit family, travel between states, or even spend months as a snowbird in Florida. But if you’ve ever been on a Medicare Advantage plan, you may have discovered a frustrating truth: your coverage often doesn’t travel with you.

That’s where a Medicare Supplement (Medigap) plan changes everything.

Why Travel Can Be Stressful on Medicare Advantage

Advantage plans are built around networks. That means:

• If you’re outside your home county or state, you may be considered “out of network.”

• You could face higher costs—or worse, no coverage—unless it’s an emergency.

• Getting referrals or prior approvals while on the road can turn into a hassle.

For retirees who travel often, this can create unwanted surprises.

How a Medicare Supplement Works Everywhere

With a Medicare Supplement, you have the freedom to see any provider in the U.S. who accepts Medicare. That means:

• You can see a specialist while visiting family in another state.

• You don’t need to worry about networks or referrals.

• Your coverage goes with you, no matter where you are in the country.

Some supplement plans even offer limited foreign travel emergency benefits—helpful if international trips are part of your lifestyle.

A Real-Life Example

One of our clients spends half the year in Florida and the other half in Michigan. On their Medicare Supplement plan, they see doctors in both states without ever worrying about whether they’re “in network.” For them, the peace of mind is worth every penny.

Bottom Line

If you’re a traveler—or simply want the freedom to know you’re covered wherever you go—a Medicare Supplement gives you flexibility that most Advantage plans can’t match.

Call our team at 904-654-5450 or visit www.merebenefits.com to see which Supplement plan best fits your travel lifestyle.

Next Step: Check out our blog on Why Plan F Closed for New Enrollees to understand why most new retirees choose Plan G or Plan N today.

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