How each kind of coverage works away from home
| Coverage | Elsewhere in the U.S. | Outside the U.S. |
|---|---|---|
| Original Medicare (Parts A and B) | Any doctor, hospital or supplier that accepts Medicare | Only in rare cases |
| Medigap | Pays its share wherever Original Medicare pays | Plans C, D, F, G, M and N pay 80% of emergency care in the first $60 days of a trip, after a $250 deductible, up to $50,000 in a lifetime |
| Medicare Advantage | Emergency and urgently needed care anywhere; routine care in network, or out of network at higher cost in some PPO plans | Depends on the plan |
| Part D | Network pharmacies, often nationwide | Drugs bought outside the U.S. generally aren't covered |
If you spend part of the year away
- Original Medicare with Medigap is the most predictable choice for people who split time between Oregon and another state, because there are no networks.
- With Medicare Advantage, check whether your plan covers routine care where you'll be. Emergency and urgent care are covered anywhere in the U.S. Being away more than six months in a row generally ends your enrollment.
- Get refills before you leave, and keep a list of your drugs and doctors with you.
If you move out of Oregon
Moving out of your plan's service area gives you a special enrollment period to choose new coverage. Original Medicare and Medigap move with you. A Medicare Advantage or Part D plan may not serve your new area. See what happens if you move out of Oregon.
Choosing coverage for 2027
Open Enrollment runs October 15 to December 7, 2026. If travel matters to you, compare how each option handles care away from home. Plan choices in Oregon also vary by county: in Grant, Harney, Lake, Umatilla and Union counties no Medicare Advantage plan is open to everyone. See your county page, or you can request a call from a licensed insurance agent to compare plans from the companies they work with.
Related questions
Can I use my Medicare Advantage plan outside Oregon?
Networks, travel and the six-month rule.
What happens to my Medicare if I move out of Oregon?
Your special enrollment period.
Does Medicare cover rides to medical appointments in Oregon?
Getting to care at home.
Sources
- Medicare.gov — Travel outside the U.S.
- Medicare.gov — Compare Original Medicare and Medicare Advantage
- 42 CFR 422.74 — Disenrollment by the Medicare Advantage organization
- Medicare.gov — Compare Medigap plan benefits
More questions in this guide
- Does Medicare cover acupuncture in Oregon?
- Does Medicare cover ambulance service in Oregon?
- Does Medicare cover annual physicals in Oregon?
- Does Medicare cover assisted living in Oregon?
- Does Medicare cover bone density tests in Oregon?
- Does Medicare cover cataract surgery in Oregon?
- Does Medicare cover chiropractic care in Oregon?
- Does Medicare cover a colonoscopy in Oregon?
- Does Medicare cover CPAP machines in Oregon?
- Does Medicare cover dental care in Oregon?
- Does Medicare cover diabetic supplies in Oregon?
- Does Medicare cover flu shots in Oregon?
- Does Medicare cover hearing aids in Oregon?
- Does Medicare cover home health care in Oregon?
- Does Medicare pay for in-home caregivers in Oregon?
- Does Medicare cover mammograms in Oregon?
- Does Medicare cover medical marijuana in Oregon?
- Does Medicare cover memory care in Oregon?
- Does Medicare cover mental health care in Oregon?
- Does Medicare cover naturopathic doctors in Oregon?
- Does Medicare cover nursing home care in Oregon?
- Does Medicare cover oxygen therapy in Oregon?
- Does Medicare cover physical therapy in Oregon?
- Does Medicare cover prostate cancer screening in Oregon?
- Does Medicare cover psilocybin therapy in Oregon?
- Does Medicare cover skilled nursing care in Oregon?
- Does Medicare cover the shingles vaccine in Oregon?
- Does Medicare cover transportation to medical appointments in Oregon?
- Does Medicare cover vision care in Oregon?
- Does Medicare cover wheelchairs in Oregon?
Part of the guide: Learn Medicare — the Oregon starter guide · All questions
Frequently asked questions
Can I keep my Medicare Advantage plan if I spend the winter in Arizona?
Usually, for a few months. If you are away from the plan's service area for more than six months in a row, the plan generally must disenroll you. Some plans have visitor or traveler programs that allow up to 12 months, so ask your plan.
Does my Medigap policy work in other states?
Yes. A Medigap policy pays its share wherever Original Medicare pays, with any provider in the U.S. that accepts Medicare, and it stays with you if you move.
Will my Part D plan fill prescriptions out of state?
Many Part D plans have network pharmacies across the country. Check your plan's pharmacy directory before you go, and ask your plan about an early or vacation refill if you need one.
Does Medicare cover me on a cruise?
Sometimes. Original Medicare may cover medically necessary care on a ship that is in a U.S. port or no more than six hours from one. Beyond that, Medigap travel coverage or travel insurance may help.
Medicare in your Oregon county
Plans, local agents and help, county by county: Multnomah · Washington · Clackamas · Lane · Marion · Jackson · Deschutes · Linn · Douglas · Yamhill · Benton · Polk · Josephine · Umatilla · Klamath · Coos · Columbia · Lincoln · Clatsop · Malheur · All 36 counties →
