How Do I Transfer Medicare to Another State?

If you are enrolled in Original Medicare, you will not be impacted when relocating to another state; however, you must notify the Social Security Administration of your move.

If you’re moving to another state, you may be wondering how to transfer your Medicare coverage. Fortunately, the process is straightforward, but there are some essential things Medicare beneficiaries need to know.

Will I Lose Medicare if I Move to Another State?

Moving to another state does not mean losing your Original Medicare coverage, which includes Part A and Part B. However, before relocating, you must notify your Medicare Advantage plan provider or stand-alone Medicare prescription drug plan.

Typically, these plans do not provide coverage outside your current service area. When you move out of your plan’s service area, your current plan will terminate within 60 days of your relocation. You will then have a special election period during which you can enroll in a new plan within your new service area.

If you fail to disclose your relocation plans when moving to another state and don’t enroll in a new plan, you may be denied coverage for medical services in the new state. In such cases, your previous plan typically ends, and you will return to Original Medicare, which consists of Part A and B.

What About a Medigap Plan?

If you have a Medigap plan and are relocating to another state, your current plan may still provide coverage.

However, it is crucial to contact your insurance provider to confirm this. Remember that certain plans may not offer the same level of coverage in different states. If your plan does not cover you in your new location, you will be given a special election period to enroll in a new Medigap plan.

Please note that premiums may vary depending on the area if you change plans. Additionally, it is important to remember that unlike Medicare Advantage or prescription drug plans, Medigap policies have federal protections that allow you to retain your plan under certain conditions when you move.

Always verify with your current insurance provider before making any decisions.

Contact the Social Security Administration

The next step is promptly contacting the Social Security Administration (SSA.gov). You have the option to either call them toll-free or visit their website to initiate the process. It is important to inform the SSA of your impending move for at least three months to ensure a smooth transfer of your coverage.

When contacting the SSA, provide them with your current address, new address, and the expected date of your move. Additionally, they will inquire if you wish to modify your Medicare coverage. If that is the case, you can select a new plan that aligns with your specific needs and budget.

Notify Your Health Care Providers

If you’re receiving care from specific healthcare providers, you should notify them of your move and provide them with your new address, phone number, and Medicare information. This will ensure that your healthcare providers can continue providing the necessary care.

Follow Up on the Status of Your Transfer

To ensure a successful transfer of coverage, it is crucial to follow up with the SSA. Medicare should promptly notify you of your new coverage, communicate any changes, and furnish Medicare beneficiaries with an updated Medicare card.

Bottom Line

Transferring your Medicare coverage to another state can seem daunting, but it doesn’t have to be. By following the steps outlined here, you’ll be well on your way to ensuring a smooth transition.

It’s essential to take the time to understand your eligibility, contact the SSA, and notify your healthcare providers. Before you know it, you’ll be settled into your new home, with your Medicare coverage in place, ready to receive any medical care you may need.

Sources: eHealthAARPCNBCKaiser Family Foundation

FAQs

  • Can I change my Medicare details online?

    Yes, you can. The MyMedicare.gov website provides online services for changing your details and viewing past transactions. You need an account set up with Medicare to make these modifications or check your transaction history.

Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.