What Happens to My Medicare Coverage If I Move States?

If you’re planning a move to a new state, there’s a lot to think about—new address, new doctors, maybe even a new lifestyle. But one question we hear often is: What happens to my Medicare when I move?

The good news is, Medicare coverage travels with you. But depending on the type of plan you have, you may need to take a few steps to update or change your coverage.

Here’s what to know before the moving truck pulls out of the driveway.

If you have Original Medicare (Parts A and B)

Original Medicare is a federal program. That means your hospital and medical coverage stays the same no matter where you live in the United States. You don’t need to re-enroll or make any changes just because you moved.

That said, doctors and hospitals aren’t required to accept Medicare, so if you’re moving to a new area, it’s a good idea to make sure your new providers accept Medicare assignment. We can help you check that once you know where you’re headed.

If you have a Medicare Advantage plan

Medicare Advantage plans are run by private insurance companies and are usually tied to a specific service area. If you move out of that area, your plan may not be available in your new location. In that case, you’ll need to choose a new plan.

The good news is, Medicare gives you a Special Enrollment Period to do that. Once you notify your plan that you’re moving, you’ll have the chance to switch to a new Medicare Advantage plan in your new state, or return to Original Medicare if you’d prefer.

If you have a Part D prescription drug plan

Just like Medicare Advantage, Part D drug plans are also regional. If your current plan doesn’t operate in your new state, you’ll need to choose a new one. This also qualifies for a Special Enrollment Period, so you can switch plans without penalty.

Keep in mind that formularies (the list of covered drugs) and preferred pharmacies can vary by plan, so this is a good time to check that your prescriptions will still be covered under a new plan in your new location.

If you have a Medigap (Supplement) plan

If you’re enrolled in Original Medicare and also have a Medigap policy, most plans will continue to cover you even after you move. However, premiums can vary by location, and some states have different rules around plan availability.

If your move is to a state with more flexible Medigap rules, you may even find better pricing or new options. We can help you explore those once you settle in.

Bottom line

A move to a new state won’t leave you without Medicare, but it may mean some updates to your coverage. The key is knowing what kind of plan you have and what steps to take when you move.

If you’re planning a move and want to make sure your Medicare coverage stays on track, reach out. We’ll help you review your options and make sure everything transitions smoothly, so you can focus on enjoying your new home.