If you are moving to a different state, you probably have some questions about what will happen to your Medicare Supplement (Medigap) plan. Well, your Medigap benefits stay the same no matter where you live because Medigap plans are standardized across the country. That said, your monthly payments and other standards might change.

Below, this Supplemental Medicare agency in Westville, Indiana is going to explain what happens to your Medigap plan when you move.

Will my Medigap plan work after I move?

Your Medigap plan will still be useful even if you move to a different state. Since Medigap policies do not have network restrictions, you can keep seeing any doctor or hospital that accepts Medicare, no matter where you live in the country. While your Medigap benefits stay the same, the amount you pay each month for your plan can be different.

Different states price Medigap plans differently, and you could end up paying a greater or lesser amount for the same coverage depending on where you move. If you want to get a clear idea of how much your premium will change, you may want to speak with an experienced Supplemental Medicare agency in Westville, Indiana.

Do I have to inform my insurance company when I move?

You should contact your insurance company as soon as you decide to move. They need to update your address in their system so that you continue receiving important information about your Medigap plan.

Another reason to notify the insurance company is that your premium can change based on your new location. Even though you do not usually need to switch to a new plan, informing the insurer can keep your coverage active with no issues.

Will my Medicare Advantage or Part D plan change if I move?

If you are enrolled in a Medicare Advantage (Part C) or Medicare Part D (prescription drug) plan, moving can be slightly more complicated. These plans are only available in certain service areas, so you may not be able to keep your current plan if you move out of its coverage zone. If your new location is outside your plan’s service area, you will have to choose a new one.

However, moving does qualify you for a Special Enrollment Period (SEP). At any time during this period, you can sign up for a new plan immediately instead of waiting for the standard open enrollment period. Your SEP starts one month before your move and lasts for two full months after, giving you enough time to find the best plan for you.

If you don’t get a new plan within this period, you could lose your coverage. Therefore, you should check your new options as soon as possible and switch before the SEP deadline. A knowledgeable Supplemental Medicare agency in Westville, Indiana can help you review your options and enroll in a suitable plan.

Can I switch my Medigap plan after moving?

Moving does not mean you have to switch to a new Medigap plan. Because Medigap benefits are the same across all states, you can keep your current policy if you are happy with it. But keep in mind that your monthly cost could go up or down depending on your new location, and some states also offer additional rights that make it easier to switch plans.

For example, some states have “birthday rules,” and under these rules, you can switch to a different Medigap plan around your birthday without having to pass medical underwriting. Some states, like New York and Connecticut, even offer continuous open enrollment, allowing you to change plans at any time without any health screenings. If you are thinking about switching your plan, a Supplemental Medicare agency in Westville, Indiana can explain your options and help you decide what is best for you.

Looking for a Supplemental Medicare Agency in Westville, Indiana?

Are you looking for an experienced Supplemental Medicare agency in Westville, Indiana that can help you understand your Medigap options? If so, look no further than our agents at Senior Care Insurance Services. We are here to help you understand your options and find the best coverage for your healthcare needs. Contact us today to schedule an appointment with our agents.