You can go to any health care providers (doctors, hospitals, medical supply companies) you like outside our Michigan network.
Note: When you get your Priority Health Medicare plan through an employer, your costs may vary.
Emergency or urgent care is always considered "in network"
Emergency or urgent care, post-stabilization care, or dialysis that you receive outside our network will be considered in-network.
You have a deductible for out-of-network services
You'll pay 100% of the cost of Medicare-covered medical services received outside our network until you have met your out-of-network deductible.
Your copays may be slightly higher
After you meet the out-of-network deductible, you'll pay a copay for covered medical services you receive from out-of-network health care providers.
5 things to know about your Medicare travel coverage
1. You'll be covered for emergencies in the U.S.
Whether you have Original Medicare, a Medicare Advantage plan or a Medigap policy, you’ll be covered for emergency or urgently needed care within the United States at the same cost as if you were home.
2. You might not be covered for emergencies outside the U.S.
In most cases, Original Medicare and some Medigap policies do not offer coverage outside of the United States. Some Medicare Advantage plans offer foreign travel coverage for emergencies and urgent care. Bottom line: if you are thinking of traveling outside of the United States, check with your plan.
3. You may not have coverage for regular care away from home
If you have Original Medicare or a Medigap policy, you can seek regular care from any health care provider who accepts Medicare. This may also be true for a Medicare Advantage plan, but those plans may have a deductible and you may have to pay a higher portion of the costs.
With some Medicare Advantage plans, you could pay more than being at home, but you are still covered. You’ll want to check your plan to see what services are covered away from home.
4. There are supplemental insurance travel options
If you are planning travel and realize that you don’t have the coverage you want, the United States State Department has a listing of private insurance companies who offer foreign travel health insurance. It might be worthwhile to purchase extra travel insurance prior to your journey to make sure you are covered if you need it.
5. "Coverage" doesn't mean "free"
When thinking about these benefits, keep in mind that you may still be responsible for deductibles, copayments or coinsurance, depending on your plan, so look into those specifics, too.