Moving with Medicare
What Happens to My Medicare Coverage If I Move States?
If you are moving to another state with Medicare, you may wonder how it will affect your current coverage. That answer depends on the type of Medicare coverage that you currently have. Below, we will break down the different situations that you are likely to encounter.
If You Have Original Medicare (Part A and Part B)
Original Medicare coverage is not affected when moving to another state. Part A and Part B let you visit any doctor or hospital across the nation that accepts Medicare. To find a medical provider near your new home, you can use the Physician Compare tool at Medicare.gov. Just remember to update your mailing address!
If You Are Enrolled in a Medigap (Medicare Supplement) Plan
Most states make it easy to keep your Medigap plan as long as you remain enrolled in Part A and Part B. It is crucial, however, to contact your current plan to inform them that you are moving out of state and to learn more about your options.
Medigap Concerns for Residents of Minnesota, Massachusetts, and Wisconsin
These three states do not carry the same ten standardized plans as the rest of the United States. Therefore, if you move to or from these states, then you may not be able to keep the same Medigap plan.
In this case, you have the opportunity to apply for a different Medigap plan. You must undergo a health exam, however, and the insurer you choose may not accept your application. Then, once you have been accepted into a new plan, you can try it out for 30 days with no commitment.
Do You Have Medicare SELECT?
If you have a Medicare SELECT Medigap policy and are moving out of that policy’s service area, then you can enroll in a different Medigap plan. Additionally, if you have been enrolled in Medicare SELECT for more than 6 months, you will enjoy a grace period during which you can choose a plan without undergoing a health exam.
If You Have a Medicare Advantage plan or a Medicare Prescription Drug plan…
If you have a Medicare Prescription Drug plan (Medicare Part D) or Medicare Advantage plan (Medicare Part C) and move to a new location, you may qualify for a Special Election Period if:
You are no longer living in your Medicare plan’s service area
You are moving to an area with additional plan options available
If you immediately notify your plan about your upcoming move, then your Special Enrollment Period will last from one month before the move to three months after it. During this period, you can switch to a new Medicare Advantage or Medicare Prescription Drug plan, or you can return to Original Medicare.
Moving to Another State with Medicare Doesn’t Have to Be Stressful
At My Medigap Plans, our professionals will help you navigate the Medicare system and find the best coverage options for your needs. If you have any more questions about what happens to your Medicare coverage if you move states, then please contact us today!