Medicare coverage · Texas & Florida
Does Medicare Cover You Outside the U.S.?
Not covered by Original MedicareIn most cases Original Medicare does not cover health care outside the United States, with a few narrow exceptions. Some Medigap (Medicare Supplement) plans include foreign-travel emergency coverage, and some Medicare Advantage plans add worldwide emergency benefits — important for Texas and Florida snowbirds and travelers.
Reviewed for the 2026 plan year · Source: Medicare.gov
How to get care outside the U.S. covered in Texas & Florida
If you travel or spend winters out of state or abroad, coverage matters. Some Medigap (Medicare Supplement) plans include foreign-travel emergency coverage, and a few Medicare Advantage plans add worldwide emergency benefits. As a dual Texas + Florida agency we specialize in matching snowbirds and travelers to plans that follow them.
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Frequently Asked Questions
Does Original Medicare cover care outside the U.S.?
In most cases Original Medicare does not cover health care outside the United States, with a few narrow exceptions. Some Medigap (Medicare Supplement) plans include foreign-travel emergency coverage, and some Medicare Advantage plans add worldwide emergency benefits — important for Texas and Florida snowbirds and travelers.
Do Medicare Advantage plans in Texas or Florida cover care outside the U.S.?
Many Medicare Advantage plans in Texas and Florida add or extend coverage for care outside the U.S. beyond Original Medicare. Benefits vary by plan and county, so it pays to compare what's available where you live — we do that for free.
How much does care outside the U.S. cost with Medicare?
Your cost depends on your specific plan, where you live in Texas or Florida, and your providers. We compare every option in your county side by side — free, with no obligation — so you see the real total cost before you choose.