Where are you likely to need health care?
The question of where you are potentially going to need healthcare, once you turn age 65, both temporarily as you travel for vacations, or if you are planning more extended stays away from your primary residence; is an important question to consider for several reasons.
For example, if you have Original Medicare Part A hospital insurance and Part B medical insurance and/or you have a Medicare Supplement (Medigap) policy, you are covered with the same benefits, regardless of what part of the United States or U.S. Territories you happen to be in; and you can receive care from any Medicare approved health care provider. But, if you have a Medicare replacement type of plan, like a Part C Medicare Advantage Plan, you may have no coverage, beyond possible emergency care, for any health care treatments you may require while you are away from your resident state. So, if you plan to spend any significant portions of your time in multiple States, a Medicare Advantage plan may not be as suitable for you as Original Medicare and/or a Medicare Supplement policy.
However, if you travel to any non-U.S. locations, including if you travel more than 6 hours outside U.S. territorial waters on a cruise ship, you will have zero Medicare coverage. Many Medicare Supplement (a.k.a. Medigap) policies will provide some level of coverage for foreign travel, as do some Part C Medicare Advantage type plans. So, if you plan to travel outside of the U.S. this summer or on an extended basis, you will want to pay particular attention to the foreign travel benefits of a Medicare Supplement policy as compared to those of a Medicare Advantage plan, possibly consider a separate travel or foreign health insurance policy.