Moving, especially moving to a new state, can be an overwhelming process. There are a million things to do, the least of which is that you want to handle your health insurance. However, you must be protected in a new location, so when you get Medicare insurance and transfer to NSW, you need to consider the following:
- First, be aware that if you have a standardized Medicare Supplemental Program [AJ], you can keep the same plan nationwide and use Medicare anywhere in the United States. This is one of the biggest advantages of Medigap Insurance, and you should keep this in mind when you move to a new state. You can maintain the same coverage without interruption and can go to any doctor who needs medical insurance. These plans are federally standardized, so the F plan in Tennessee is the same as the F plan in Georgia. In summary, if you have a Medigap plan, you may not need to change it when you move.
- If you have a Medicare Advantage program or a Medicare Part D plan, you will most likely need to change your plan. These two types of programs work differently than the Medicare supplement program. They work on a "service area" basis, so when you leave their service area, you must get a new plan in the new service area. We recommend that you start investigating this at least one month before the planned move date, as exploring new plans [and other mobile obligations] in the new area can be time consuming. Keep in mind that your current company may still offer plans in NSW; however, in most cases, you must switch to the state's service area.
- Your Medigap rate may be affected. Although you can keep the same Medcare Supplement plan, rates may change when you move to NSW. For example, if you move from Virginia to Tennessee and Tennessee has a higher rate than Virginia, your premium may increase to match your NSW premium.
Orignal From: Medicare Supplemental Insurance - What happens when I move to another state?
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