Are Medicare plans and requirements different for every state?

Question

Morgan Greer · Accepted Answer

Medicare plans are different in regions even, so within a state, there will be multiple carriers offering multiple plans, sometimes differing zip code to zip code. Working with an independent broker, like myself, can help to widen your options and explore what will be best for you.

Answered by Morgan Greer on March 27, 2025

Agent Licensed in KS & MO

Answered by Morgan Greer Medicare Insurance Agent

William Gray · Answer

Medicare Advantage Plans are different in almost every county in the country..some plans cover multiple counties. 

Medicare Supplement Plans are standardized by CMS and cannot be different based on state or county.

Amy Putrino · Answer

Plans look different in every state, and in most states, they will differ by counties. There are enrollment rules that may differ between states. You need to reach out to someone who represents multiple companies and plans to ensure you are getting all of the information you need to make an educated decision before enrolling.

Answered by Amy Putrino on March 25, 2025

Agent Licensed in RI, CT, FL & 11 other states

Answered by Amy Putrino Medicare Insurance Agent

Steven Bleicher · Answer

Differences occur from state to state with respect to the Medicare Advantage plans. However, since a Medicare Supplement follows all CMS rules, those are sacrosanct and cannot vary without Congress agreeing to a new set of rules. This is why it is imperative to carefully review the variables between insurance companies. This also means that you should consider whether your agent is a “captive agent” (only works for one firm) and therefore cannot compare the HMO, the PPO and the SNP’s (Special Needs Plans for those with Medicaid & who are close to being eligible for Medicare), all of which are types of Advantage plans.

Answered by Steven Bleicher on April 12, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Gregg Matheny · Answer

Medicare advantage plans can actually vary from county to county. Medicare Supplement plans are standardized across every single state But will typically have a different monthly premium, depending upon the ZIP Code that you are enrolled in or currently live in.

Answered by Gregg Matheny on March 25, 2025

Agent Licensed in AZ & UT

Answered by Gregg Matheny Medicare Insurance Agent

Timothy Brown · Answer

It's possible but it depends on the rules and regulations pertaining to each state. Some of the requirements are consist via CMS (Centers for Medicare and Medicaid Services) rules while other state specific.

Answered by Timothy Brown on March 27, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

John L Herman Jr · Answer

Yes. Not only does every State have different Plans...sometimes every County within a State has a variety of Plans and options for a client. That is why it is paramount to use an Independent Broker who can navigate the maze of Medicare in your geography.

Answered by John L Herman Jr on April 3, 2025

Broker Licensed in MD, DE & PA

Answered by John L Herman Jr Medicare Insurance Agent

Michael Yost · Answer

Yes plans vary by county. If someone moves out of a county or service area, that person would probably have to change plans to the new county they are in.

Fred Manas · Answer

Yes.
Medicare plans and requirements can differ significantly by state, especially when it comes to Medicare Advantage and Medigap (Medicare Supplement) plans. 
While Original Medicare (Part A and B) generally offers the same coverage and costs nationwide, private plans like Medicare Advantage and Medigap can have variations in availability, benefits, costs, and even enrollment opportunities.

Suzanne Lamperti · Answer

Ni, CMS puts out standardized plans that are available in all states. The difference is the price from the carriers.

Louanne Allison · Answer

Yes and even can vary by zip codes in the same state. All will require Medicare Part A and/or Medicare Part B. Medicare Supplements are more expensive with a higher monthly premium generally than Medicare Advantage plans, but the benefits are: Any doctor, Any specialist, Any Hospital and Any state.

Answered by Louanne Allison on April 14, 2025

Agent Licensed in MI, FL, IL & OH, TN, TX & UT

Answered by Louanne Allison Medicare Insurance Agent

Fran Lovelace · Answer

Medicare Advantage plan benefits can differ from county to county, not just state to state.  Medicare Supplement plans, however. are the same from state to state with a few exceptions,

Adriane Williams · Answer

Hi there! Medicare plans are different for every state and company. They are also based on your eligibility. I’d be happy to review plans with you if you like! Give me a call at (918) 210-3319.

Lenora Sikkenga · Answer

Actually , Medicare Advantage can vary from county to county on availability. Some rural counties have no Medicare advantage plans available at all, only med supp and plan D. As far as regular Medicare that is the same across the board because of CMS policies .

Answered by Lenora Sikkenga on April 30, 2025

Broker Licensed in NV

Answered by Lenora Sikkenga Medicare Insurance Agent

Are Medicare plans and requirements different for every state?

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Are Medicare plans and requirements different for every state?

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