Written by Michael LaPick
Healthcare Writer
We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.
Key Takeaways
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The best Medicare plans for travelers include both Medicare Supplement, also known as Medigap, (Plan G or Plan F) and Medicare Advantage PPOs with multi-state networks.
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Medicare does not typically cover international or overseas travel, but some Medigap plans provide limited foreign travel emergency benefits.
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Snowbirds who split time across states should evaluate whether a nationwide PPO or a Medigap plan best fits their needs.
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Premiums, provider access, and predictability of costs vary between Medigap and PPOs.
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Compare Medicare plans with Healthcare.com or call 877-388-1028 TTY 711 to connect with a licensed agent.
Overview
Whether you’re a snowbird living in Florida, Texas, or Arizona during the winter and heading north in the summer, or you simply enjoy frequent travel, choosing the best Medicare plan for travelers is essential. Original Medicare (Part A and Part B) has strong nationwide coverage, but it may not help much abroad.
Medicare Advantage plans can vary widely in provider access across states.
This guide breaks down the best Medigap plans for snowbirds and the most travel-friendly Medicare Advantage PPOs, helping you decide which Medicare option works best when you’re on the move.
Compare options HERE & start your health plan journey.
Medicare Coverage Basics for Travelers
When comparing, the key difference lies in how each type of plan handles networks and travel:
- Original Medicare + Medigap (Medicare Supplement): Any provider nationwide that accepts Medicare. Add-on Medigap coverage reduces out-of-pocket costs and may include international emergency benefits.
- Medicare Advantage PPOs (Preferred Provider Organization): Network-based plans that can provide multi-state flexibility, but benefits vary by insurer and region. Some cover emergency care abroad.
For retirees who want maximum freedom and predictability, Medigap is often the better choice.
Medicare Supplement (Medigap) Plan G
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Medicare Supplement Plan G  covers nearly all out-of-pocket Medicare costs (except Part B deductible).
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Offers foreign travel emergency coverage up to $50,000 lifetime.
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Available to new enrollees.
Medicare Supplement (Medigap) Plan F (for those eligible before 2020)
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Medicare Supplement Plan F is the most comprehensive Medigap plan, covering all deductibles and coinsurance.
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Includes emergency coverage abroad.
Medicare Supplement (Medigap) Plan N
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Medicare Supplement Plan N offers Lower premiums than Plan G, but with copays for office and ER visits.
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Still includes foreign travel benefits.
Bottom line: If you want the best Medigap plan, Plan G strikes the right balance of cost and travel coverage.
Medicare Supplement Plans Comparison Chart
| Medigap Benefits | Plan A | Plan B | Plan C | Plan D | Plan F* | Plan G* | Plan K | Plan L | Plan M | Plan N* |
|---|---|---|---|---|---|---|---|---|---|---|
| Part A coinsurance & hospital costs (up to 365 days after Medicare benefits used) | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ |
| Part B coinsurance or copayment | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | 50% | 75% | âś“ | âś“*** |
| First 3 pints of blood | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | 50% | 75% | âś“ | âś“ |
| Part A hospice care coinsurance or copayment | âś“ | âś“ | âś“ | âś“ | âś“ | âś“ | 50% | 75% | âś“ | âś“ |
| Skilled nursing facility care coinsurance | X | X | âś“ | âś“ | âś“ | âś“ | 50% | 75% | âś“ | âś“ |
| Part A deductible | X | âś“ | âś“ | âś“ | âś“ | âś“ | 50% | 75% | 50% | âś“ |
| Part B deductible | X | X | âś“ | X | âś“ | X | X | X | X | X |
| Part B excess charges | X | X | X | X | âś“ | âś“ | X | X | X | X |
| Foreign travel emergency (up to plan limits) | X | X | 80% | 80% | 80% | 80% | X | X | 80% | 80% |
| Out-of-pocket limit** | N/A | N/A | N/A | N/A | N/A | N/A | $7,220 (2025) | $3,610 (2025) | N/A | N/A |
Key
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âś“ = Plan covers 100% of this benefit
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X = Plan does not cover this benefit
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% = Plan covers that percentage of the benefit
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N/A = Not applicable
Notes:
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*Plans F and G also offer a high-deductible option in some states. You must pay Medicare-covered costs up to $2,870 in 2025 before coverage begins.
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*Plans C and F are not available to people who became eligible for Medicare on or after January 1, 2020.
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For Plans K and L: After meeting your yearly out-of-pocket limit and Part B deductible, the plan pays 100% of covered services for the rest of the year.
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*Plan N pays 100% of Part B coinsurance, except for up to $20 copay for office visits and up to $50 copay for ER visits (if not admitted).
Best Medicare Advantage PPOs for Travelers
For those who prefer lower monthly premiums and are comfortable managing provider networks, Medicare Advantage PPOs can be a strong alternative.
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Multi-State Networks: Some PPOs contract with national providers, allowing in-network care across states.
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Out-of-Network Options: PPOs cover care outside the network, though at higher costs.
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Foreign Travel Coverage: Some PPOs include limited international emergency care (check your plan’s Evidence of Coverage).
Unlike Medigap, PPO coverage depends heavily on which Medicare Advantage insurer and region you’re in.
Since PPO benefits vary widely, travelers should review Medicare Advantage plan benefits and limitations before choosing a network-based plan.
To get a clearer picture of how PPOs compare with HMOs and other Medicare Advantage options, explore Medicare Advantage plans (PPO, HMO, MSA). Snowbirds should verify their plan offers nationwide access—or consider Medigap if predictability matters most.
Does Medicare Cover International and Overseas Travel?
Many retirees ask: Does Medicare cover international travel or overseas care?
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Original Medicare: According to Medicare.gov, it generally does not cover foreign care, with rare exceptions (near Canada/Mexico borders or U.S. cruise ports).
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Medigap: Plans C, D, F, G, M, and N provide 80% emergency foreign coverage after a $250 deductible, capped at $50,000 lifetime.
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PPO Advantage Plans: Some cover foreign emergencies, but rules vary.
For extended trips abroad, consider pairing your Medicare coverage with a separate travel insurance policy.
Comparison: Medigap vs. Medicare Advantage PPO for Snowbirds
| Feature | Medigap Plan G/F | Medicare Advantage PPO |
|---|---|---|
| U.S. Nationwide Coverage | Yes, any Medicare provider | Depends on network, higher OON costs |
| Foreign Travel | Limited emergency coverage | Varies by plan |
| Premiums | Higher | Lower |
| Cost Predictability | Very high | Moderate |
| Best Fit | Snowbirds & global travelers | Cost-conscious U.S. travelers |
Compare options HERE & start your health plan journey.
Quick Reference: Best Medicare Plans for Travelers
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Best Medigap Plan for Travelers: Plan G (or Plan F if eligible).
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Best Medigap for Snowbirds: Plan G for nationwide provider flexibility.
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Best Medicare Advantage PPO: Plans with nationwide multi-state networks.
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Best for International Travel: Medigap with foreign emergency benefits + supplemental travel insurance.
FAQs
What is the best Medicare plan for snowbirds?
The best Medicare plan for snowbirds depends on your needs. Many choose Plan G for nationwide access, while others pick PPOs with multi-state networks. See our 2025 Medicare Snowbirds Guide.
Does Medicare cover overseas travel?
No. Medicare generally does not cover overseas care, except in limited border situations.
Which Medicare Supplement plan covers international travel?
Medigap Plans C, D, F, G, M, and N include 80% coverage for foreign emergencies (up to $50,000). Compare options: Medicare Supplement comparison tool.
Are Medigap rules the same in every state?
No. Rules can vary, especially in states with special protections. Learn more: Medigap birthday rules by state.
Bottom Line
The best Medicare plans for travelers and snowbirds usually come down to two choices:
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Medigap (Plan G, F, or N): Best for retirees who want predictable costs, nationwide flexibility, and some international emergency coverage.
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Medicare Advantage PPOs: Best for cost-conscious snowbirds who primarily travel within the U.S. and can manage network restrictions.
Your choice depends on your budget, travel patterns, and need for international care. Compare plan options on Medicare Supplement plans or call 877-388-1028 TTY 711 to connect with a licensed agent for personalized help.
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