What Happens to Your Medical Coverage if You Travel or Live in Two States?

Are you over 65 and traveling within the United States?

• Both the HOP Medical Plan and the Value Medical Plan offer flexibility if you travel or divide your time in two (or more) cities or states within the United States. This is because the HOP Medical Plan and the Value Medical Plan allow you the freedom to use virtually any health care provider (doctor or hospital) you want.
• A Medicare Advantage plan is designed for where you live, so you’ll need to use its network of providers to receive maximum benefits. Check with your Medicare Advantage plan on how they cover services if you are away from home, so there are no surprises!

Are you over 65 and traveling outside the United States?

• If you are eligible for Medicare and enrolled in the HOP Medical Plan, you’re covered anywhere in the United States and abroad when you are traveling. The HOP Medical Plan gives you the most coverage and flexibility if you travel out of the country.
• If you’re enrolled in the Value Medical Plan, coverage for services provided abroad is limited to those covered by Medicare. Covered expenses are subject to Medicare’s Major Medical Deductible and copay amounts.

Are you under 65?

If you are not eligible for Medicare, the HOP Pre-65 Medical Plan uses Private Healthcare Systems (PHCS), a national network of health care providers. Each time you need medical care, you can decide whether to use an in-network or out-of-network provider. While you are free to go out-of-network whenever and as often as you like, using a PHCS network provider is your lowest-cost option. You can receive reimbursement for out-of-country medical expenses.