Moving? You May Need to Change Your Medicare Plan

If you are enrolled in Medicare and preparing to move to another county or state, be sure to add “check Medicare plan” to your to-do list.  You need to make sure your Medicare plan will still be in effect after you move.  Whether or not your policy will be valid will depend on whether you have Original Medicare (Part A and Part B with a Medigap) or Medicare Advantage.

If you have Original Medicare with a Medigap, moving should not affect your medical benefits, although your prescription drug plan may need to change.  You should also check with your insurer as the Medigap premium may change based on your new area of residence.

If you have a Medicare Advantage Plan or a Medicare Prescription Drug Plan, you will need to check with your agent or insurer to see if  you are moving out of the plan’s service area.  If the plan does not cover your new area, you will need to switch to another plan.

If you are moving to a different state, you can choose another Medicare Advantage plan in your new area or a Medigap policy and a prescription drug plan.

You should be able to enroll in the new plan right away without waiting for the open enrollment period in the fall.  This special enrollment period is  usually one month before you move up until two months after you move.

If you move out of your plan’s service area and forget to enroll in a new plan and more than two months have passed since your move, you will be disenrolled from your plan and enrolled in Original Medicare.

Be sure to provide your new address to Social Security, your Medicare insurer and your agent.

Interested in learning more about your Medicare benefits? Reach out to us.

Suzanne Werts of Heartland Insurance

Suzanne Werts is the Principal Broker with the Medicare Resource Team
at Heartland Insurance Group.

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