13. Do you live in a rural area?
You may find your coverage beyond standard Medicare is limited. Some rural residents can't get Medicare Advantage programs in their area. For others, in-network providers are a long drive away. Go to medicare.gov/find-a-plan for available options.
14. Do you travel internationally?
Medicare does not usually pay for medical services outside of the U.S., but some Medicare Advantage, Medigap and Tricare plans cover emergeny treatment abroad. Consider buying a short term travel insurance policy before each overseas trip.
15. Do you have a second home?
If you split your year between states, check carefully what a prospective Medicare Advantage plan covers. Some wil charge more for out-of-network care or not cover that care at all. This isn't an issue with original Medicare, which covers services from any authorized provider, independent of location. Also note, Medicaid may not cover some out-of-state health costs, either.