What Happens to My Medigap If I Move?

Learn whether or not you can keep your current Medicare Supplement if you move.

by Ray Wilson+ on Dec 23, 2014 | 17 Comments

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Are you thinking of retiring in a new state? You are not alone. Many of our clients choose to retire in a different state than the one where they first enrolled in a Medicare Supplement (Medigap) plan. They often ask us if they have to reapply for Medigap. The answer is almost always no.  According to the CMS: “You can retain your current Medigap policy regardless of where you live as long as you still have Original Medicare.”  Medigap is very flexible and a great solution for people who think they might move in the future.

What Happens to My Medigap if I Move?

If you enrolled in a Medigap plan in one state but move to another, you do NOT need to enroll in a new Medigap plan (unless you have a Medigap Select plan). Your monthly premium could increase if your new home area has more expensive Medigap rates, since this is one of the main factors that affect your Medicare Supplement cost. In some cases your price can also go down. If you already have a Medigap plan, call the number on the back of your card and they will tell you how much that plan will cost in your new state. You can click here to get an instant Medicare Supplement quote.

Can I Purchase a Different Medigap Plan in My New State if it Costs Less?

If you find other plan in your new state that is less expensive than the rate your current Medigap insurance is offering, you can always submit a new application. Since Medigap plans have a nationwide network, moving does NOT trigger a Medigap guaranteed issuance situation in most states*. This means you will usually have to answer medical questions to obtain the new coverage.

*Please note: MA, CA, MO, OR, and NY have unique rules for buying and switching Medigap plans.  If you are moving to those states check out this article about switching Medigap plans

If you have additional questions, read and leave a comment below or call us at 800-930-7956.

Learn More about Medigap Get a Medigap QuoteApply for Medigap

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Reader Comments and Questions

By Steven on March 10, 2020

I currently have Medigap with Aetna and plan to move from Michigan to New York. I was told that with Aetna my premium won't change as long as I keep the same plan. Is it true?

Medigap price changes due to a move vary by each insurance provider. As stated in the article, your monthly premium could increase if your new home area has more expensive Medigap rates. In some cases your price can also go down (but not in NY as they have some of the highest rates in the country). Some still honor the price you paid in your enrollment state. If Aetna told you directly that your price will not change when you move to NY then you should be good to go... but I would get that in writing!

If you decide to switch to a different provider, contact us to enroll at no additional cost.
-Michelle from Senior65.com

By Daisy on February 11, 2020

My husband and I now live in Delaware. We are considering on moving to North Carolina. We are both on Medicare A&B and have a Medicare Aetna PPO plan through our employer. Would we have to change plans if we move to NC? Thanks for your help! Daisy

When you move out of an individual Medicare Advantage (MA) service area, you typically are required to select a new plan in your new location (or switch to Medigap). Since you have coverage offered through work, you will have to check with your HR department to learn what happens to your coverage when you move. Give us a call to price out plans in NC should you move and be required to purchase new coverage.
-Eric from Senior65.com

By gillian on October 09, 2019

We have moved down to Dallas Texas from Glendale California and have decided to stay down here. We both have Medicare Parts and A B - myself and husband but are covered with a plan called Central Health Medicare Plan an HMO - we do not pay a monthly fee for this just the required meds etc. and ER and hospital and the usual prescription charges. I am under the impression that as we are staying we will have to change our plan to a Texas one. We do have to find doctors I know, and I have all my paperwork. I went to Urgent care the other week and there was no problem at all, and no charge. Please advise me, thank you.

If you make Dallas, Texas your permanent residence then you will have to select a local plan. You can chose from Medigap or Medicare advantage. We can help you select a plan and enroll.
-Eric from Senior65.com

By Candy on August 28, 2019

I have BCBS of RI as a Medigap plan. I have moved just about 30 minutes away but over the state line into Massachusetts. Do I need to change my Medigap plan? I am disabled and would not to go through the hassle of changing all my doctors.

Since Medigap plans have no network (you can see any doctor that accepts Medicare) you can keep your plan when you move to a new state. Massachusetts has unique laws when it comes to supplemental Medicare coverage so you will want to confirm this with your current Medigap provider.
-Michelle from Senior65.com

By Roman on June 11, 2019

Have Medigap F in Michigan. Moved to Pennsylvania. Change in address required ? Cost update ?

Your monthly premium could increase if your new home area has more expensive Medigap rates. In some cases your price can also go down. Sometimes you are able to switch insurance providers when you move.

If you are already working with a licensed health insurance agent, they can help you with the process. If not, give us a call and we can help you with the transition.
-Chris from Senior65.com

By Stephen on March 06, 2019

I am disabled, 50 years old and have original Medicare & Medigap Plan F. I am considering moving from CA to a state with lower cost of living. How can I figure out which states would offer Medigap Plan F and what the rate would be if I move there ? Do I have to get quotes from each of the states I am considering individually ?

Most Medigap plans are portable and you can take them with you to a new state. If you already have a Medigap plan, call your insurance agent (or the insurance company directly) and they should be able to tell you how much your plan should cost in your new state.

-Chris from Senior65.com

By Lois on November 08, 2018

I have a Medical Mutual Supplement here in OH. I may move to FL where Medical Mutual is not offered. Will this be a qualifying event to make me elligible for a guaranteed issue with another company for a supplement.

Moving to a state will not trigger a guaranteed issue situation with a new Medigap plan unless you have a Medigap SELECT plan. You can always apply for a new plan in your new state but they will require you to answer some health questions first. Please feel free to contact our office an we can help you navigate your switch at no charge to you.
-Michelle from Senior65.com

By Tom on October 21, 2018

I currently have a Medigap plan in Indiana for the last two years. During that time, I was diagnosed and treated fr prostate cancer. I am currently cancer free. I am considering moving to Florida and my current Medigap provider does NOT have plans in Florida. Given my medical history, what are my options should I relocate to Florida?

Moving to a state that does not offer your current plan can trigger a special election. During Special Election you should be able to select any Medigap or Medicare Advantage plan without a health review. Please contact our office and we can confirm your situation and help you select/enroll in a plan.
-Michelle from Senior65.com

By Joan on May 27, 2018

I'm under 65 and have a disabling condition. Currently I live in Illinois, but am considering moving out of state. My Medicare becomes effective within the next two months. I've decided to obtain Plan D and Plan F. If I move out of Illinois to Texas, will I have to undergo medical questioning to purchase a new supplement plan? Are my supplement plans portable?

While typically Medigap is very portable, the rules are different for those under 65. We just dealt with this same issue for another client and it seemed that each insurance carrier told us a different story of how it was handled. We finally found an insurance provider that would cover our disabled client in both locations with no hassle. Please give us a call and we can share some tips on how to make it work for you.
-Chris from Senior65.com

By Annie on November 28, 2017

Why am I told that F-HD medigap is not available in my zip code? I asked what zip code is it availabl in and the agent laughed. Is this a way BCBS denies providing F-HD?

I'm not sure why the agent laughed because it's a perfectly good question. The team here at Senior65 won't laugh at our client's question because we know that Medicare is really confusing so there is never such a things as a silly Medicare question.

It is true that not all health insurance providers will provide high deductible F in all zip codes. While BCBS may not offer a High F other providers may. Give us a call and we can see if anyone else is providing it in your zip.
-Jacima at Senior65.com

By Max Jones on May 02, 2017

My grandma is getting ready to move out of state, and she asked me if she needed to worry about her Medigap plan. I'm glad you said that she won't need to enroll in a new Medigap plan. I'm going to have to let her know, and also tell her what you said about premiums possibly changing! Thanks for the information!

By Dee Person on November 08, 2016

My friend's mother lives in a memory care unit in Arkansas. My friend lives in Oregon and has power of attorney and receives all of her mother's correspondence. Her address is on her mother's SSA record. She wants to purchase a medigap plan for her mother but was told that she cant purchase a plan in Oregon because her mother lives in Arkansas, and if she purchases a plan in Arkansas, the medigap plan will deny the claims because of the Oregon address on the SSA record. Is this true?

That should not be true. Her plan must be purchased where she lives, and you can have a different mailing address from her physical address. The best way to deal with this is to have an agent fill out her app. Have your friend call one of our Senior65 licensed independent insurance agents at 800-930-7956.
-Michelle from https://www.senior65.com/

By Claudet Erwilliger on October 07, 2016

If I develop the need of kidney dialasis, will I be refused coverage if I ever want to change medigap coverage?

If you were to need kidney dialysis, in most states, you would be automatically denied if you wanted to enroll in a Medigap policy after your initial enrollment period. If you're interested in switching to a different company while you're healthy, please contact one of our Senior65 licensed independent agents at 800-930-7956.
-Eric from https://www.senior65.com/

By Linda on October 17, 2015

I live in Ohio and I will be renewing my current medigap policy effective January 1, 2016. I then plan to move to Florida in sometime in January where my insurance co (Standard Life) does not do business. Can I still keep this policy as long as I renew it before I permanently move?

There is not need to "renew" your Medigap policy. Once you are enrolled in a Medigap plan, you get to keep that plan for your lifetime, as long as you pay the premium, even if you move. The only catch is, moving can cause your premium to increase, if that zip code generally has a higher premium. Hope this helps!
-Amy from https://www.senior65.com/

By Jordan on August 18, 2015

So if I move from New York to Florida will I have to pay more for my premium, even if I keep the same plan?

As far as we know, if you move, you should be able to keep your same plan but your rate would change based on your new zip code.
-Eric from https://www.senior65.com/

By Edward Wayne on July 02, 2015

I have Medicare Advantage in Texas and moving to Louisiana. Do I stay with my ma plan or can u enroll in medigap?

If you move out of your Medicare Advantage area, then you should be eligible for a Medigap guaranteed issuance period.
-Amy from https://www.senior65.com/

By Hannah L. on April 30, 2015

So I can't change my Medigap plan when I move from California to Texas, even though the new plan is $20 less a month?

You may be able to enroll in a plan in Texas, but you'll probably have to answer medical questions. Doesn't hurt to try, though. Let us know if you need any help with the new application.
-Amy from https://www.senior65.com/

PLEASE NOTE: We cannot comment on specific Medicare claims. Contact Medicare directly if you are trying to see if your issue is covered.

We will not publish your last name or email if you submit this form.

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