Relocating during retirement is becoming increasingly common. Many Medicare beneficiaries choose to move to be closer to family, enjoy a warmer climate, or reduce their overall cost of living. While a move can be an exciting new chapter, it is important to understand how relocating may affect your Medicare coverage and what steps you should take to avoid gaps in care.

How Moving Impacts Medicare Coverage

Original Medicare, which includes Part A and Part B, is accepted nationwide, so moving to a new state usually does not disrupt basic coverage. However, Medicare Advantage and Medicare Part D prescription drug plans are location-based. These plans often rely on regional provider networks and specific pharmacies. If you move outside your plan’s service area, your current coverage may no longer meet your needs or may not be available at all.

Even if your plan technically operates in your new location, preferred doctors, hospitals, or specialists may be different. This can lead to higher out-of-pocket costs or limited access to care if you do not update your plan.

Special Enrollment Period for Moving

When you move to a new permanent address, Medicare provides a Special Enrollment Period. This allows you to make changes outside of the standard enrollment windows. Typically, this period begins one month before your move and lasts for two months after the move. During this time, you can enroll in a new Medicare Advantage plan or switch prescription drug plans that better fit your new location.

Taking advantage of this window is critical. Waiting too long could leave you stuck with a plan that does not cover your preferred providers or medications.

What to Review Before Choosing a New Plan

Before selecting a new Medicare Advantage plan, review the provider network, hospital access, prescription drug coverage, and overall costs. Make sure your current doctors are included or identify new providers you are comfortable with. It is also a good time to reassess your health needs, especially if you anticipate changes in care as you settle into retirement.

Get Help from a Licensed Insurance Agent

Moving can feel overwhelming, and Medicare decisions add another layer of complexity. Working with a licensed health insurance broker can help you compare plans available in your new area and ensure your coverage aligns with your healthcare needs and budget. Guidance is always free, and having expert support can give you peace of mind during your transition.

If you’re planning a move or have recently relocated, call us right away. We can help you review your Medicare options and make sure your coverage continues to support your health and lifestyle in retirement.