If you’re moving to another state with Medicare, you’re going to want the best tips! Before relocating, you might want to learn more about how Medicare works in your new state. Also, you may want to prepare yourself for a change in premium or coverage options depending on your current policy.
How to Transfer Original Medicare to Another State
Those with Original Medicare planning a move to a new state go through a simple process to update residency. You must contact the Social Security Administration about your change of address.
If applicable, you may contact the Railroad Retirement Board instead. You’ll provide your new address and contact information that may need updating. You can also consider if this is a permanent move or if you’re looking to obtain dual residency.
Tips for Medicare Advantage and Moving to Another State
Advantage plans have doctor networks; these networks may vary from county to county. Since policies vary by county, moving will likely result in a necessary plan change.
If you have a Part C plan, upon moving, you can elect to go back to Original Medicare, or you may be able to enroll in a Medigap plan. Although, if you wish to select a new Part C plan, that’s an option.
Changing Medicare Advantage Plans When Moving
Moving is a change that qualifies you for a Special Enrollment Period. The Special Enrollment Period will allow you to change your Medicare Advantage plan, only when you are moving out of your current plans service area. So, if you’re moving down the street, you likely won’t qualify for a plan change.
Understanding Moving to Another State With Medigap
Since Medicare is a federal program, coverage is the same across the United States. You won’t qualify for a Special Enrollment Period if you have Original Medicare and a Medigap plan because these plans operate in all states the same way. But, you can always shop coverage in your new state, you just might go through underwriting when you apply for a new plan.
Keep in mind, Medigap rules vary by state. Some states, like Connecticut, have an all-year Open Enrollment Period for Medigap.
FAQs
How to Transfer Medicare to Another State
If you make necessary calls ahead of time, you can prevent any lapse in coverage. After all, health insurance should be here to protect you, not cause you any harm. Are you moving soon? Are you considering a change of scenery? Don't worry about your Medicare; give us a call to talk about your options. You can contact our agents by calling the number above or fill out an online rate comparison form to get started today!
