If you’re eligible for both Medicare and Medicaid, Medicare is your primary insurance, and Medicaid helps cover costs Medicare doesn’t pay, such as copayments and long-term care. For help managing both programs, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Medicare coordinates with private health insurance or employer coverage, with the primary payer depending on your employment status and the size of your employer. For help navigating your coverage, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Original Medicare covers medical treatment in any state from providers who accept Medicare. Medicare Advantage Plans may have network restrictions, so check your plan’s rules before getting non-emergency care in another state. For more information, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Original Medicare doesn’t typically cover care outside the U.S., but some Medigap plans and Medicare Advantage plans may offer limited international coverage. Consider travel insurance for comprehensive protection while traveling abroad. For help, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

If you move abroad permanently, Medicare will not cover your medical care, but you can keep your coverage by continuing to pay your premiums. Consider alternative health insurance abroad, and plan ahead if you may return to the U.S. For personalized advice, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.

Once you enroll in Medicare, you can no longer contribute to your HSA, but you can still use HSA funds for qualified medical expenses, including Medicare premiums and out-of-pocket costs. For help with your HSA and Medicare, schedule an appointment with a Tsunami Advisor here: Schedule an Appointment.