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Does your health insurance plan cover you while abroad.

A primer on figuring out if you're covered and advice on investing in supplemental insurance.

Does Health Insurance Cover You Abroad?

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First, determine if your plan covers emergency care abroad. Then decide if buying supplemental coverage is a smart decision based on factors like your itinerary and any pre-existing health conditions.

Picture this: You're traveling overseas and you come down with a fever. You don't speak the native language and you're uncertain if your health plan covers medical care, like a visit to a doctor or hospital, abroad.

While this is probably the last scenario you want to consider while planning your trip, medical emergencies happen. But here's the silver lining: You can easily find out what your insurance will cover while traveling abroad by asking your provider a few key questions. To determine what coverage you have, and what you'll need when traveling overseas, begin by asking these five questions.

1. What does my health plan cover overseas?

The level of medical coverage available for international travel can vary widely, depending on your domestic health care provider and plan. The State Department advises contacting your insurance company prior to your trip and inquiring about the specific medical services overseas that are included in your coverage.

The Centers for Disease Control and Prevention also encourages travelers to ask what's excluded from their policy, such as risky activities. And depending on what is available to you, the CDC advises considering a supplemental policy. The State Department also recommends inquiring about specifics such as whether the plan includes coverage for emergency evacuations to the U.S. and pre-existing medical conditions. You should also familiarize yourself with any out-of-pocket costs that you may encounter for medical procedures or services overseas.

[ Compare travel insurance plans and get a quote .]

2. What if I have Medicare?

Keep in mind that  Medicare does not cover emergency medical service for travelers out of the country. There are some Medigap plans that can offer supplemental coverage but remember that there is a lifetime cap of $50,000 for foreign travel emergency coverage.

3. What about emergency medical evacuations?

Few domestic health insurance providers will pay to transport ill patients back to the United States. And emergency evacuations can be expensive, costing more than $100,000, depending on your health condition and where you're located at the time the emergency takes place. If you're visiting a place that's isolated or where the quality of health care is subpar, do a cost-benefit analysis of investing in a supplemental evacuation insurance plan.

4. Should I buy travel medical insurance for my next vacation?

It's a smart idea to consider investing in travel insurance . But before you make a final decision, you'll want to evaluate a variety of factors, including the type of trip you're planning and if you'll be taking part in risky activities, such as scuba diving or mountain climbing during your trip. According to the CDC, there are three types of insurance travelers should consider while traveling: trip cancellation insurance, travel health insurance and medical evacuation insurance.

And according to a report released by InsureMyTrip, a travel insurance comparison and booking site, 75 percent of the site's consumers pick comprehensive travel insurance plans, which typically include emergency medical coverage, emergency medical evacuation coverage, trip cancellation coverage, trip interruption coverage and baggage coverage.

Another important reason to consider purchasing travel health insurance is that travel health insurance can help fill any gaps in domestic health insurance coverage. Plus, travel health insurance can provide 24/7 emergency assistance to help aid you in the event of a medical emergency. A licensed travel insurance agent can provide advice on appropriate coverage limits and how to qualify for coverage for pre-existing medical conditions.

5. What if I have to file a claim?

A claim is typically required in order to request reimbursement for medical bills. Most providers will require all hospital records (usually translated if in a non-English language) and receipts in order to evaluate the validity of the claim.

Sign Up for STEP

Travelers are encouraged to enroll in the Smart Traveler Enrollment Program (STEP) prior to international travel. Doing so will notify the nearest U.S. Embassy or Consulate of your travel plans. The local embassy can also help connect American travelers with a local medical facility.  

Tags: Travel , health insurance , Travel Tips

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Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.

Learn more about travel medical policies in this article and get to know which plans for traveling abroad fit your needs.

What is International Travel Health Insurance?

When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.

What Does Travelers' Medical Insurance Cover?

Depending on the plan you choose, your travel insurance policy can offer:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum limits from $50,000 to up to $8,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to up to $25,000
• Renewable for up to 36 months
• Other benefits like travel delay/cancellation, baggage loss/delay
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Is Travel Health Insurance Worth It?

The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.

Recommended Medical Travel Insurance Plans

We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue's Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick's Safe Travel USA is designed specifically for foreigners visiting the USA .

Pro Tip: Visit our Travel Insurance Guide to find which type of plan is best for your situation.

Recommended Plan for US Citizens Traveling Abroad

GeoBlue's Voyager Travel Insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Option for All International Travelers

Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition
• Coverage from 5 days to 364 days - extensions are available

Recommended Plan for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and "acute onset of pre-existing conditions".

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage

Affordable Plans with Great Coverage and Benefits

Our suggested plan based on affordability, benefits, and service is the Atlas Travel Insurance Plan. Don't be fooled by the price - the benefits are very comparable to those offered by more expensive insurers.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Or See for Yourself: Compare Travel Medical Insurance Plans

Frequently Asked Questions

How much does travel health insurance cost.

You can see in the table below that plans can cost from as low as $0.80 per day to as high as $5 a day , sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.

Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.

Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower. Travel health policies also do not cover trip cancellations , so their premiums are lower than usual.

Costs and Benefits of a Travel Medical Insurance Plan

The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation, and more.

How Optional Coverage Adds to the Cost of Your Policy

Many plans offer additional optional benefits for an additional cost. For example, you can add coverage for adventure trips, mountaineering, or Accidental Death and Disability (AD&D). Each additional benefit will increase the price of your plan. In general, the increase in premiums is affordable and worth the added expense if you feel you need that additional coverage.

What Are the Different Levels of Health Insurance for Traveling Abroad?

There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.

• The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
• You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered. 
• You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle. 
• Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.

Among our most popular plans for US citizens is the GeoBlue Voyager Plan , which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.

Atlas Travel Insurance is a comprehensive travel medical policy that includes hospitalization and doctor coverage. It also includes coverage for lost luggage. You can customize the policy to include optional coverage for extreme sports .

The Patriot Platinum Insurance provides optional coverage for extra riders, including personal belongings and and extreme sports. This is perhaps the best medical policy for traveling abroad because it provides world-class coverage and access to the best service and assistance for traveling outside your home country.

You can review the list we made of the Best Travel Insurance Companies to get a better idea of which provider to choose.

For long-term travelers, expats, or individuals moving abroad for a year or longer, an international medical insurance plan might be a better option. These plans provide more comprehensive medical benefits but lack some of the coverage offered in travel health plans, such as trip interruption.

What Is the Cheapest Travel Medical Insurance Plan?

We offer a variety of medical plans for traveling abroad, and they come at a range of different price points.

When it comes to medical coverage, the best value travel insurance plan is one that covers specific benefits you need at a price you can afford. Some inexpensive plans do not cover the most important benefits or cover them with limited value. Other low-cost policies provide considerable travelers' medical insurance coverage, but their service is not as good, so it will be frustrating to use it in emergencies.

International Citizens Insurance has filtered the best insurance providers that offer affordable plans with good coverage and excellent service. For the most affordable and reliable plans, we recommend the following options:

How Do I Purchase an International Travel Medical Policy?

Applying for a travel health plan is easy. Just answer a few questions about yourself and the planned trip to get the initial quote. From there, you can refine the plan and see how much the travelers' medical insurance will cost by selecting and deselecting different benefits and their maximum coverage amounts. You can also tweak the deductibles, optional add-on features, and other portions of the policy, if possible.

Use our Plan Picker to get started!

When you are satisfied with the quote after adjusting the cost and benefits of the plan, you can proceed with the online application and pay for the plan using your credit card. A confirmation email will be sent along with policy documentation and relevant contact details should you need emergency medical assistance on your next trip.

We have listed some of the best medical insurance for international travel. Just follow the links on each one to learn more about the plan.

Do These Plans Cover My Visa Requirements?

In most cases, they do. The short term medical insurance plans we offer are designed to meet, and even exceed, most visa requirements of most countries. We also have plans that can meet Schengen Visa Insurance requirements.

Before traveling to a country, check the visa requirements to ensure you purchase the maximum benefit and deductible amounts required. Most countries require at least $50,000 of coverage in medical benefits, along with a specific deductible amount.

Check the visa requirements for the country you are traveling to, and then when purchasing your policy, you can select the level and benefits that meet those requirements.

Read More: Insurance for Your Travel Visa

Can You Buy Just Travel Medical Insurance?

Yes, definitely.

International travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. Suppose you are in an accident and need medical care. In that case, these plans are designed to help you find a doctor, get you treated in the best facilities available, cover necessary medical prescriptions, and provide continuous care.

Note: These plans will typically not cover any pre-existing conditions you might have. Before you sign up for a policy, check the part pertaining to pre-existing conditions to clarify any questions or concerns regarding that portion.

Your policy may not cover treatment for accidents or illnesses that occur while participating in certain dangerous activities. Some plans offer adventure sports coverage as an optional add-on. If you plan to partake in hazardous activities or sports events that pose a high risk of getting injured, it is best to get this add-on on top of your base-level coverage.

Some policies, known as trip cancellation plans , also cover the cost of your trip if you have to cancel, and are typically more expensive. If you only want coverage for medical emergencies, a travel medical plan is right for you.

Not sure where to start? Use our Pick a Plan tool.

How Does International Travel Medical Insurance Compare to Trip Insurance?

With the wide variety in names and coverage of travel, trip, and medical plans, it can be confusing to select which one is the most appropriate for your needs. Different service providers offer several levels of coverage, so a travel insurance plan provided by one insurer could be completely different from those offered by competitors.

Trip insurance is a short-term solution that covers trip cancellation, protection, and limited emergency medical coverage. This type of policy is usually available only for up to 62 days.

A travel health insurance plan is more comprehensive. It provides increased medical coverage from what a regular trip or travel insurance policy does. This type of policy is best for travel periods lasting from 5 days up to a year.

If you are considering longer-term coverage or more comprehensive medical benefits, read these guides to help you see the available options:

• Expatriate Insurance or Travel Insurance: What is the Difference?
• Overseas Health Insurance Coverage

Do I Need to Buy Health Insurance for Traveling Abroad?

Travel health insurance is a short-term solution for those who are traveling outside their home country anywhere between 5 days and a year. Whether it is for business or pleasure purposes, getting adequate coverage is an essential part of ensuring safe travels.

Having a health plan at home will not guarantee you coverage when you travel to other countries. And usually, if it does provide coverage, it will be limited and will not cover the most important areas that need to be addressed.

The plans we offer can work for a broad range of traveling individuals, including international vacationers, immigrants, relatives visiting from overseas, and foreign au pairs and nannies.

The best part about global travel health insurance policies is that they are available to all nationalities traveling abroad.

Which Countries Require Travel Medical Insurance to Enter?

Most countries that were requiring medical travel insurance with COVID-19 coverage at the height of the pandemic are no longer requiring it. However, it is still highly recommended. (Read our guide for more specific details on the latest travel insurance requirements.) Double-check all requirements before booking your travel policy. Below is a list of countries that still require travel medical insurance as of December 2023.

• Saudi Arabia
• the Czech Republic
• Liechtenstein
• the Netherlands
• Switzerland

Recommended Travel Medical Plan Options for US Citizens

The following rate tables below show the cost per day for U.S. citizens traveling outside of the U.S.

GeoBlue Voyager Choice

IMG Patriot International

WorldTrips Atlas International

Trawick Safe Travels Outbound

Rates were last updated on March 4, 2024

Recommended Travel Medical Plan Options for All Nationalities

The following rate tables below show the cost per day for international (non-U.S.) citizens traveling abroad, including trips to the U.S.

The plans, IMG Patriot America, WorldTrips Atlas America and Seven Corners Travel Medical, provide coverage worldwide, including inside the U.S. and outside the U.S.

Trawick Safe Travels USA only provides coverage inside the U.S.

IMG Patriot America

WorldTrips Atlas America

Seven Corners Travel Medical Plus

Pro Tip: Visit our Plan Picker to find the best plan at the right price for your trip.

How Much Travel Medical Insurance Do I Need?

It depends on where you’re going, what your home coverage is like, and what you plan to get up to!

• For shorter trips, you can probably get away with less coverage. But if you’re traveling extensively, you might think about a more thorough policy. If you are taking several trips throughout the year, consider annual travel insurance so you’re always covered.
• How’s your health? If you have conditions that need regular treatment or medications, make sure your policy is up to the level of care you need while abroad. Most plans will exclude coverage for pre-existing conditions, so be aware of that. 
• If you’re going somewhere with a high level of medical care easily available, you probably don’t need medical evacuation or repatriation. Consider adding it if you’re going into the wilderness, staying somewhere rural and far from care, or making an adventure trip.
• Speaking of, what are you planning to do on your vacation? You might be surprised by some things insurance companies consider “extreme sports.” If you’re planning anything outdoorsy, check if your activity requires special coverage.
• Some countries require a travel policy to get a visa. For instance, the Schengen visa requires a minimum of $50,000 in medical coverage. Check the visa rules for the place you’re traveling to.

Different Types of Health Plans for Travelers

Here at International Citizens Insurance, we provide a wide range of travel health plans from some of the leading insurers. Among our most popular plans are the Atlas and Patriot Plans, which have different levels to choose from, each designed to suit the needs of various travelers.

Atlas Travel Insurance is a comprehensive policy that includes hospitalization and doctor coverage. It can also include insurance on lost luggage. You can customize the policy to include optional coverage for extreme sports .

With Patriot Platinum Insurance , you can get coverage for extra riders and extreme sports when you add them. This is one of the best travel medical insurance plans for traveling abroad, providing world-class coverage and access to the best service and assistance for traveling outside your home country.

Annual, Multi-Trip Travel Insurance Plans for Frequent Travelers

International coverage for travel is available as a single-trip plan that covers a specific trip for a specified number of days.

But a multi-trip or annual travel insurance plan can cover all trips outside your home country during the year. This is usually valid for a year and up to a certain number of days per trip. This is a more cost-effective medical insurance for traveling abroad, especially if you are a frequent traveler.

If you are looking for one of the best travel health insurance policies we offer, consider the GeoBlue Trekker annual travel insurance plan. See the link below for more details on the policy and how you can get a quote before your purchase online.

Annual Plan for any Nationality

Seven Corners Travel Medical Annual Multi-Trip

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

GeoBlue Trekker Plan for US citizens

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Buy One of Our Recommended Travel Medical Plans

Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

GeoBlue Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

A message from the Center for Disease Control : Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

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Which Medicare plans cover emergency medical care overseas?

May 18, 2024 at 5:47 p.m.

by Toni King

I met with you in 2023 for a Toni Says personalized Medicare consultation. I have a quick question regarding travel outside the United States because I'm planning a trip to Italy in September. Which Medicare plans cover emergency medical costs while traveling overseas?

I received Medicare advice from my travel agent that has me very confused. I was informed that some Medicare plans, such as Plan F, give foreign travel medical coverage, but others, including Plan G, which I am enrolled in, do not. Is this true?

— Laura from Dallas

Hello Laura,

The advice that you were given is not accurate.

Medicare does not cover emergency medical care during foreign travel. It is an added benefit that a Medicare supplement plan (Medigap) covers.

Medicare supplement plans F and G (as well as C, D, M and N) will all cover the same limited amount of emergency foreign travel. These plans pay for emergency care during the first 60 days of a trip outside of the United States. There is a $250 deductible, and the Medicare supplement plan "only" pays 80%, up to a lifetime maximum benefit of $50,000. You pay 20% and any amounts over the $50,000 lifetime maximum.

Who knows what an air ambulance anywhere overseas will cost? Laura, discuss with your travel agent or explore online for true travelers' insurance that will take care of any medical needs while traveling in countries worldwide.

But beware, because not all travel insurance plans include medical coverage. It's important to read the plan's conditions and restrictions before purchasing the travel insurance policy.

Another important note: Original Medicare and Medicare Part D plans take care of medical and prescription drug expenses in the United States only. So be sure you bring enough of your prescription medication while you are overseas, or you will have to pay out-of-pocket.

There are, however, new Medicare Advantage (Part C) plans that pay for medical expenses overseas. Be sure that you are covered with that specific plan in case you have a medical event with foreign travel overseas. Call the Medicare Advantage plan to verify how to receive emergency medical benefits when out of the United States, because coverage and rules vary depending on which plan is selected.

Readers, do not forget there is a Medicare rule that one cannot be enrolled in original Medicare with a supplement and a Medicare Advantage plan at the same time.

Laura, the travel agent you were speaking with is also unaware that plan F is no longer available for those enrolling in Medicare Part A as of Jan. 1, 2020. (Chapter 3 of the "Medicare Survival Guide" discusses the rules of enrolling in a Medicare supplement plan.) Anyone enrolled in a Medicare supplement Plan F who wants to change to a Plan G or N, which has lower premiums but higher out-of-pocket costs, will have to answer medical underwriting questions to qualify for that specific plan.

The differences between Medicare supplement Plan G and Plan N are:

— Plan G offers lower premiums and the same Medicare benefits as Plan F except the Medicare Part B deductible is not covered and will be paid for by the enrolled Medicare beneficiary. The Part B deductible for 2024 is $240, which is Plan G's out-of-pocket.

— Plan N generally has a lower premium than Plan G with higher out-of-pocket costs. There is a $20 copay for a doctor's visit and a $50 copay for the emergency room. The Part B deductible is also not covered, and the Part B "excess charges" are not paid for by the insurance company (which Plan G covers).

Laura, this is not the first time someone has contacted the Toni Says Medicare team because of inaccurate Medicare information. Readers, always check your coverage before travelling overseas.

Toni King is an author and columnist on Medicare and health insurance issues. She has spent nearly 30 years as a top sales leader in the field. If you have a Medicare question, email [email protected] or call 832-519-8664. The "Medicare Survival Guide Advanced" edition and her new "Confused about Medicare" video series are available at www.tonisays.com.

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HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Aetna Medicare Advantage 2024 Review

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Aetna is the fourth-largest provider of Medicare Advantage plans [0] KFF . Medicare Advantage in 2023: Enrollment Update and Key Trends . Accessed Apr 11, 2024. View all sources . A CVS Health company since 2018, Aetna offers a strong array of benefits. Every Aetna Medicare Advantage plan includes dental, vision and hearing benefits, and many plans offer additional (and valuable) perks. The plans are also largely low cost, with an estimated 84% of Medicare beneficiaries having access to a $0-premium Aetna plan.

The company's offerings are notable, and Aetna Medicare Advantage plans score above average for member experience, including health care quality and customer service [0] NerdWallet analysis of CMS data . 2024 Star Ratings Data Tables (ZIP) . Accessed Apr 11, 2024. View all sources .

Here’s what you should know about Aetna Medicare Advantage.

Aetna Medicare Advantage pros and cons

Aetna’s offerings have advantages and disadvantages.

Multiple benefits offerings: In addition to dental, vision and hearing, Aetna Medicare beneficiaries in many plans have access to benefits such as an over-the-counter allowance, meal delivery services and in-home health visits [0] Aetna . Benefits of a Medicare Advantage Plan . Accessed Apr 11, 2024. View all sources .

Strong $0-premium offerings: In 2024, Aetna estimates that 84% of Medicare-eligible beneficiaries in the U.S. have access to a $0-monthly-premium Aetna Medicare Advantage plan [0] CVS Health . Aetna 2024 Medicare plans offer more choices, flexibility and simplicity . Accessed Apr 11, 2024. View all sources .

Broad availability: Aetna offers Medicare Advantage plans in 46 states and Washington, D.C., as well as stand-alone drug plans in all 50 states plus Washington, D.C.

Drug savings: All Aetna Medicare Advantage prescription drug plans come with a $0 deductible for all Tier 1 and Tier 2 drugs, as well as a $0 copay on Tier 1 drugs.

Mediocre member love: Aetna customer satisfaction numbers landed below the industry average in some major Medicare markets, according to J.D. Power’s latest survey.

» MORE: Best Medicare Advantage plans

Aetna Medicare star ratings

Average star rating, weighted by enrollment: 4.14

If you want Medicare’s take on Aetna’s plans, look no further than the Centers for Medicare & Medicaid Services' own star ratings , which rank each plan from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures. Based on the most recent year of data and weighted by enrollment, Aetna’s 2024 Medicare Advantage plans get an average rating of 4.14 stars [0] Centers for Medicare & Medicaid Services . 2024 Star Ratings Data Tables (ZIP) . Accessed Apr 11, 2024. View all sources .

For comparison, the average star rating for plans from all providers for 2024 is 4.04 [0] Centers for Medicare & Medicaid Services . Fact Sheet - 2024 Medicare Advantage and Part D Star Ratings . Accessed Apr 11, 2024. View all sources .

Of Aetna members who are in contracts with a Medicare star rating, 87% are in contracts rated 4 stars or above as of March 2024 [0] Centers for Medicare & Medicaid Services . Monthly Enrollment by Contract . Accessed Apr 11, 2024. View all sources .

You can find a plan’s rating with Medicare's plan finding tool .

What does Aetna Medicare Advantage cost?

Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs.

One of the costs to consider is the plan’s premium. About 7 in 10 Aetna plans in 2024 have no premium [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Apr 11, 2024. View all sources , and the company estimates that 84% of Medicare-eligible beneficiaries have access to a $0-monthly-premium Aetna Medicare Advantage plan.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 , although some plans cover part or all of this cost [0] Centers for Medicare & Medicaid Services . Understanding Medicare Advantage Plans . Accessed Apr 11, 2024. View all sources .

Copays, coinsurance and deductibles

Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in-network or out-of-network, or how often you may go out-of-network for care.

Whether you require extra benefits, and whether the plan charges for them.

Here are examples of Aetna Medicare Advantage costs for three plans in a mid-range city:

To get a sense of costs, use Medicare’s plan finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Aetna plans or compare across carriers.

Additional Aetna benefits

Aetna Medicare Advantage offers all members access to routine vision , dental and hearing coverage . Some of its plans offer added benefits, many of which aren’t available in other Medicare Advantage plans. Here are a few standouts:

Fitness benefits: In addition to the SilverSneakers program, some plans may offer a fitness reimbursement allowance that members can put toward activities (like pickleball) or fitness supplies, including athletic shoes. 

Medicare Payment Card: On some plans, members will get a quarterly allowance they can put toward things like medical expenses for in-network services or certain over-the-counter wellness items. 

Expanded $0 copays: Many Aetna plans offer a $0 copay for labs and for visits to your primary care physician. In 2024, all plans will offer a $0 copay for preventive and diagnostic colonoscopies, so long as they’re with in-network providers. 

MinuteClinic access: Since Aetna is a CVS Health company, members in plans that don’t require a primary care physician (PCP) can visit any MinuteClinic location for medical needs and pay the same copay they would pay to see their PCP. 

In-home health visits: Some beneficiaries can request an in-person home health visit or telehealth call as an added convenience.

Concierge services for local resources: Aetna’s Resources for Living program can help beneficiaries find the support they need, whether that’s assistance at home, caregiver resources or help finding local activities.

Meals at home: After a hospital stay, some plans offer to bring healthy (fresh) meals to your door to help you recuperate.

Aetna Medicare Advantage plan types

Aetna offers several kinds of Medicare Advantage plans, and they vary in structure, costs and benefits. All plans offer dental, vision and hearing benefits as well as fitness benefits through SilverSneakers .

In general, Aetna offers Medicare Advantage prescription drug plans (MAPDs), as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage. The company has expanded its Medicare Advantage plan for veterans — Aetna Medicare Eagle — to 43 states in 2024. The plan is designed to complement the health care coverage veterans receive from the VA.

Aetna also introduced Aetna Medicare SmartFit plans, which offer a fitness reimbursement benefit of $600 to $1,200 per year.

Plan availability may vary by county. Other plan offerings may include the following types:

A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor to see a specialist, and out-of-network benefits are usually limited.

HMO point-of-service plans give you a bit more flexibility than traditional HMO plans. While you do have a primary doctor and you may still need a referral, you have more freedom to see out-of-network providers, although you’ll pay more for out-of-network care.

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.

Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. The benefits, network and drug formularies are tailored to the needs of those members. Aetna offers two types of SNPs:

Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Institutional plans: Provide specialized care to members who live in skilled nursing or assisted living facilities and need an institutional level of care.

Aetna third-party ratings

A few companies weigh in on health plans or on the strength of the company in question, and we’ve included three here:

AM Best Financial Strength Rating: A (Excellent)

AM Best is a credit rating agency that specializes in the insurance industry. In March 2024, AM Best affirmed its Financial Strength Rating of A (Excellent) for Aetna Life Insurance Co. and the other operating entities of Aetna that are wholly owned subsidiaries of CVS Health. AM Best also affirmed its A (Excellent) FSR rating of Texas Health Aetna, as well as Allina Health, which is a joint venture with subsidiaries of Aetna Inc [0] AM Best . AM Best Affirms Credit Ratings of Most of CVS Health Corporation’s Aetna Inc. Subsidiaries; Withdraws Credit Ratings of Members of Texas Health Aetna . Accessed Apr 11, 2024. View all sources .

An A rating in this category indicates that AM Best believes Aetna has an excellent ability to meet its ongoing insurance obligations.

J.D. Power Ranking

In its 2023 Medicare Advantage Study — the ninth it’s done so far — J.D. Power measured member satisfaction with Medicare Advantage plans based on eight factors ranging from level of trust to how well a provider resolves problems or complaints. The study was fielded in the five biggest Medicare markets, and here’s how Aetna ranked out of all major providers in the locations it offers plans [0] J.D. Power . For Medicare Advantage Plans, Trust and Problem Resolution Closely Associated with Likelihood to Renew, J.D. Power Finds . Accessed Apr 11, 2024. View all sources :

Florida: 3rd out of 6. 

New York: 7th out of 8.

Pennsylvania: 3rd out of 7. 

Texas: 5th out of 6. 

NCQA Score Range: 2.5 to 4.5 out of 5

The National Committee for Quality Assurance rates health insurance plans on a 5-point scale (with 5 being best) based on quality of care, patient satisfaction and health plans’ efforts to keep improving.

In its September 2023 ratings of Aetna plans, the NCQA awarded ratings between 2.5 and 4.5, with the majority receiving ratings of 3.5 or 4.0. Two plans received a rating of 2.5: Aetna Better Health Inc. in Louisiana and Aetna Health Inc. in Georgia [0] NCQA . Health Plans . Accessed Apr 11, 2024. View all sources .

Aetna Medicare Advantage service area

Aetna offers Medicare Advantage prescription drug plans in 46 states and Washington, D.C.

Aetna expanded its Institutional Special Needs Plans (I-SNPs) into Ohio and New York and widened availability in Pennsylvania, and Aetna Medicare Eagle plans — veteran-specific Medicare Advantage offerings — are available in 43 states.

Aetna is the third-largest for-profit Medicare Advantage provider, with more than 3.8 million Medicare beneficiaries enrolled in Aetna Medicare Advantage plans. The company added 544,000 members for the 2024 plan year, according to a report from health care analytics firm The Chartis Group [0] The Chartis Group . Mounting headwinds in Medicare Advantage market haven’t stopped growth . Accessed Apr 11, 2024. View all sources .

About Aetna

Founded in 1853, Aetna became a subsidiary of CVS Health Corp. in 2018. The company’s headquarters are in Hartford, Connecticut.

Aetna’s health insurance offerings include medical, dental and pharmacy plans. Aetna offers individual and group health insurance, including Medicare Advantage plans, Medicare prescription drug plans and Medicare Supplement Insurance.

Read the NerdWallet reviews of these other Aetna Medicare offerings:

Aetna Medicare Supplement Insurance (Medigap) .

Aetna Medicare Part D prescription drug plans .

Aetna customer service

Aetna Medicare Advantage members can contact customer service in a few ways:

Call the main national service number, which is available daily from 8 a.m. to 8 p.m. local time, at 855-335-1407 (TTY: 711). 

Find the specific phone number for your plan .

Request a call .

Send an email .

Compare Medicare Advantage providers

Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.

AARP Medicare Advantage plans .

Aetna Medicare Advantage plans .

Anthem Medicare Advantage plans.

Blue Cross Blue Shield Medicare Advantage plans .

Cigna Medicare Advantage plans.

Humana Medicare Advantage plans .

Kaiser Permanente Medicare Advantage plans.

UnitedHealthcare Medicare Advantage plans .

Wellcare Medicare Advantage plans .

Find the right Medicare Advantage plan

It’s important to do your research before selecting a Medicare Advantage plan for yourself . Here are some questions to consider asking:

What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

Medicare Advantage review methodology

The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.

NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.

More on NerdWallet.com

Best Medicare Advantage Plans

Medicare Open Enrollment: What You Need to Know

What Is Medicare, and What Does It Cover?

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