Will I Still Have Medicare Coverage If I Move Out-Of-State?

Medicare provides millions of Americans with health insurance that helps lower or eliminate their out-of-pocket costs. Having the right coverage can make life much easier and give you and your loved ones peace of mind — knowing you can see the doctors and specialists that will give you the best care. And it won’t break your bank. 

At Mangini Family Insurance, we’re passionate about providing Medicare resources and making sure our clients have the tools they need to make informed, confident decisions. If you’re interested in learning more, make an appointment to discuss your options. We look forward to hearing from you and helping you on your Medicare journey. 

Updating Medicare Coverage

It’s incredibly important that you have Medicare coverage which aligns with your current needs. Medical and personal situations can be constantly changing, so it’s important to review your policies at least once a year. Medicare Advantage plans, for example, have certain rules you must follow to get coverage for healthcare services. Many plans have “networks” of providers that you must see, or you’ll be responsible for the costs yourself. What happens if you move out of state, then? Will you still have coverage?

Some People Really Don’t Know Which Plan They’re On

There are a couple of ways to get Medicare coverage, and within that are many different plan options. If you’re going to be moving, then it’s essential that you know what type of policy you have. Your specific policy will dictate whether or not your coverage will transfer to a different state.

Original Medicare covers your inpatient hospital stays and doctor visits and is a great option if you don’t anticipate racking up expensive medical bills. Original Medicare will transfer to different states and there shouldn’t be any problems with keeping your coverage.

Medicare Advantage, or Part C, is different from Original Medicare. Some of these plan benefits are location-specific and will not transfer to different states. 

Type of CoverageWhat to Do if You Move

Original Medicare

Nothing. You can use any doctor or hospital that takes Medicare.

Medicare Advantage plan

Enroll in a plan within your NEW service area.

Prescription Drug (Part D) plan

Enroll in a plan within your NEW service area.

Medicare Supplement (Medigap) plan

In many cases, you can stay with your current plan. Stay enrolled in Parts A and B.

Making Changes to Your Policy

Fortunately, once you’re in a certain plan, you’re not stuck there for life. If you want to make changes to your Medicare coverage, there are certain periods in which you can do so. Mark your calendar for October 15, because this is when AEP starts.

Are You Moving?

If you’re moving then you should start taking the required steps. If you have Original Medicare, then there won’t be anything that you’ll need to do. If you have a Medicare Advantage policy, consider reaching out to your insurance agency and asking for their advice. 

Your agent will connect you with a different plan in your new service area. Sometimes, the insurance carrier will offer the same plan in your new location, so you may be able to enroll in the same program if they accept new members. 

With the Medicare Sharks, Choosing a Plan Is Easy!

When it comes to making Medicare decisions, nobody is more equipped to help than Mangini Family Insurance. As an award-winning agency, we’re proud to serve seniors nationwide, and we provide ongoing support to make sure our clients are enrolled in the most suitable plan for the coming year. You deserve to get good advice from a licensed Medicare expert, and that’s exactly what we’re here to do. Contact us to schedule a FREE consultation about your insurance needs and options.