Does Medigap work if I travel out of state?

Medigap works with Original Medicare, which covers providers nationwide who accept Medicare, so it is often considered by people who travel.

Does RGI Group have an office in Riverside?

No. Our only office is in Austin, Texas. Riverside residents are served by phone or video by an agent licensed in California.

Medicare and Medigap help in Riverside, California

Riverside County stretches from the Inland Empire to the Coachella Valley, and many retirees split time between the desert and other states. Seasonal travel matters, because most Advantage networks are local while Original Medicare with a supplement travels nationwide. We help Riverside-area residents compare choices by phone or video.

Seasonal residents

If you live part of the year elsewhere, check how a plan covers non-emergency care away from home. Your permanent address determines your plan's service area, and moving can create a Special Enrollment Period.

Inland Empire commuting

Many residents see doctors in San Bernardino or Orange County. Confirm cross-county network coverage before choosing a plan based on its local footprint.

Medicare Supplement (Medigap) in Riverside

California's birthday rule lets current Medigap policyholders switch to equal or lesser benefits each year in a window starting on their birthday, without health questions. New enrollees get the federal six-month Medigap Open Enrollment Period once they are 65 and in Part B.

Medicare Advantage and Part D in Riverside County

Medicare Advantage and Part D plans are offered by county service area, so options in Riverside can differ from neighboring counties. The 2027 Annual Enrollment Period runs October 15 through December 7, 2026; your Initial Enrollment Period around age 65 is separate.

Help with costs

If your income and resources are limited, Medi-Cal, Medicare Savings Programs or Extra Help with Part D may apply. Eligibility is decided by the state or Social Security, not by an agent.

Questions to ask before you choose

Is my Riverside address in Riverside County for plan purposes?
Are my doctors and pharmacy in the plan's network?
Does Medigap with Part D or a Medicare Advantage plan fit me better?
Do I qualify for any program that lowers my costs?

Frequently asked questions

Does Medigap work if I travel out of state? Medigap works with Original Medicare, which covers providers nationwide who accept Medicare, so it is often considered by people who travel.
Does RGI Group have an office in Riverside? No. Our only office is in Austin, Texas. Riverside residents are served by phone or video by an agent licensed in California.

Important notice

Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (California HICAP) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in California. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.