Many individuals on Medicare participate in or are considered to have dual residency. Sometimes, known as “snowbirds.” If this sounds like you, and you’re a Medicare beneficiary, you might have questions. Luckily, we’re here with the information you need about how dual-residency affects your coverage.
Can You Have Medicare and Dual Residency?
You can have Medicare while living in two states, but you’ll choose one location as your primary residence. There will be some Medicare plans that benefit you more than others when you have multiple homes. Some retired people choose to reside in two different locations. An example is living in New York for half the year and staying in Florida for the colder half.
The last thing you want to worry about when enjoying the snowbird lifestyle is whether your health coverage is comprehensive. So, we’ll walk you through what you need to know about Medicare while living in more than one state.
What are the Medicare Dual Residency Requirements?
You must enroll in Medicare only in the state in which you primarily reside. Your primary residence is where you live most of the time. It’s where you hold your driver’s license, register to vote, and file taxes. Yet, your coverage will work as long as you visit practitioners who accept Medicare assignment. Fortunately, this list includes almost all practitioners in the United States.
Do Medicare Advantage Plans Work for Snowbirds?
Advantage plans involve networks. If you go outside of your network, you’ll need to pay the full cost of services. As private insurance companies offer Advantage plans, it’s best to determine whether the specific plan you’re considering provides the coverage you need. Unlike Original Medicare or Medicare Supplements, Advantage plans don’t work everywhere.
Does Part D Cover Me Out of State?
Part D plans are available to buy separately with Medicare coverage. If you choose an Advantage plan, it might include Part D. Before enrolling, you’ll want to make sure that the plan you choose covers both of your areas of residence. A good choice is a plan with a nationwide network, so your meds will have coverage no matter where you are in the United States.
Does Medigap Work With Dual Residency?
If you visit doctors accepting Medicare, Part A and Part B will cover a portion of the costs. Medigap plans are standardized by the federal government, meaning that each plan’s benefits are the same for all enrollees. The provider and the state that offers the plan don’t affect its benefits. Unlike Advantage plans, it doesn’t matter which state your doctor or facility is in if they accept assignment, and you have a Medigap plan. For those traveling outside of the United States, a Medigap plan covering foreign travel emergencies is the best choice.
Can I Keep my Medicare Supplement if I Move to Another State?
Yes, you should be able to keep your Medigap plan if you move to another state. But, you might be paying more than you need. Suppose your principal residence changes from New York to Florida, and you’re still paying premiums for the plan you bought in New York. When moving from one of the states with the most expensive Medigap premiums, make sure to update your coverage to save money.
How to Get Medicare When Residing in Two States
When you're living a mobile lifestyle, you want to know that you can rely on your health care coverage. We can help determine the best combination of coverage for you. Working with an agent is one of the best ways to get started.
Call the number above to be connected to an agent for a free consultation. Another option for a free quote is to fill out our online rate form. We'll compare plans in your area and find the best coverage for you.