If you’re planning a move to a new state, here’s some good news: your Medicare Supplement plan, often called Medigap, can usually move with you. This means you don’t have to start over or lose your coverage just because you change locations.
What Happens When You Move?
Coverage Continuity
Medigap plans are standardized nationwide (with a few exceptions). This means your plan will continue to provide the same benefits, helping cover out-of-pocket costs like copayments, coinsurance, and deductibles, no matter where you live in the U.S. Your coverage works wherever Medicare is accepted.
Premium Adjustments
Keep in mind, your monthly premium may change when you move. States have different pricing rules and rates, so your insurer will update your premium based on your new location. It’s important to notify your insurance company about your move so your billing can be adjusted accordingly.
Plan Availability Differences
Most states offer the same set of standardized Medigap plans, but a few states — Massachusetts, Minnesota, and Wisconsin — have their own unique Medigap plans. If you’re moving to or from one of these states, you may need to switch to a different plan available in your new home state.
Medicare SELECT Plans
If you have a Medicare SELECT plan, which requires using certain provider networks, moving out of the plan’s service area might mean you need to switch to a standard Medigap plan that offers more flexible provider choices.
Notify Medicare and Your Insurer
Don’t forget to inform both Medicare and your Medigap insurance company about your change of address. This ensures your coverage stays active, and you receive bills and important updates without interruption.
Bottom Line
Your Medigap plan generally travels with you, giving you peace of mind that your healthcare coverage remains consistent — no matter where life takes you.
Contact National Insurance Markets for more information.
