Retirement sometimes comes with a new ZIP code; perhaps you’re moving closer to grandchildren, escaping high housing costs, or finally heading somewhere warmer. But packing boxes isn’t the only thing Medicare beneficiaries need to think about because some types of Medicare coverage are tied directly to where you live. Original Medicare generally travels with you throughout the United States, but Medicare Advantage and Part D plans have geographic service areas that can make an interstate move a much bigger insurance event. In other words, moving usually doesn’t mean losing Medicare itself, but it could mean losing your current health plan, prescription plan, provider network, or pharmacy pricing. Medicare provides a Special Enrollment Period for many beneficiaries who move, but the timing matters. Here’s what you need to know about Medicare coverage after moving to another state.
