The first year Chris was eligible for Medicare, I 'naively' signed her up for a Humana Advantage plan. All was well until she broke her leg while we were in Ohio and, subsequent to ER, needed Orthodpaedic help in Ohio and Wyoming. It was all paid out of pocket. I couldn't understand why our primary care physician in California kept saying he couldn't give her a referral.
The next year, I signed Chris up for a Humana Supplemental plan, and all has been well (no pun) since.
This is what our zero premium UHC Medicare Advantage Plan says about travel coverage:
"Your plan now includes the UnitedHealthcare® Medicare National Network. Whether you're at home or traveling, you'll continue having access to your in-network benefits when you see any doctor in this network (exclusions may apply). With the UnitedHealthcare Medicare National Network, there is no need to call Customer Service or fill out paperwork before seeing participating doctors."
Previously, our plan included a "Passport" feature with the same benefit, but we were required to notify UHC of our location before a visit.
