I just moved from New York to Florida and have Original Medicare with a New York Medigap plan. Do I need to change my coverage?

Question

Dutch VanHoesen · Accepted Answer

No, you will simply be re-calculated at the Florida rate. You may however, want to look at the Medicare Advantage plans in Florida as they are some of the most cost effective Medicare Advantage plans in the nation.

Answered by Dutch VanHoesen on April 23, 2025

Broker Licensed in FL

Answered by Dutch VanHoesen Medicare Insurance Agent

Norman Smith · Answer

You don't have to, but it is to your advantage to do so! I am a licensed Fl agent, and can explain it to you should you reach out to me. The plan itself most likely won't change, but the amount leaving your bank account will!! - Norman Smith

Answered by Norman Smith on April 14, 2025

Agent Licensed in FL & PA

Answered by Norman Smith Medicare Insurance Agent

Gary Church · Answer

No, If you're on original Medicare with a Supplement (Med-Gap). Your health plan goes where you go, so you can see any doctor that accepts Original Medicare.

Tasha Riggs · Answer

No you do not need to. You only have to change the drug card.
You have a qualifying life event so you can explore all options in your area

Jennifer McDonnell · Answer

Most Medigap plans will move with you, no need to change, however there are some that will not move. If you do relocate your insurance company may change the premium of your plan to the zipcode of your new residence. Rates vary by state and region. If because of your relocation your insurance company terminates your plan, then you will have a 'guaranteed issue' special election period to sign up for a new plan.

Answered by Jennifer McDonnell on May 26, 2025

Broker Licensed in MI, AZ, CA & 10 other states

Answered by Jennifer McDonnell Medicare Insurance Agent

Mitch Anderson · Answer

You likely will not need to change your Medigap plan. Medigap plans are considered "portable" meaning that when you move, the plan moves with you. Make sure you report your new address to the insurance company so your plan information makes it to the correct address. If you are enrolled in a stand alone Part D prescription plan based in New York, you WILL need to change your Part D plan to a plan that works in your Florida ZIP code.

Answered by Mitch Anderson on June 24, 2025

Agent Licensed in MN, IA & WI

Answered by Mitch Anderson Medicare Insurance Agent

Sarah Rollins · Answer

You don't have to change your coverage, but you will have the opportunity to change your coverage based on your move. You will have a Special Enrollment Period that gives you a certain amount of time to change, should you so desire. If you keep your current coverage, be sure to update your address with your Medigap plan, your Part D plan (if you don't have one, be sure to get one!), Social Security, and Medicare.

Answered by Sarah Rollins on June 12, 2025

Broker Licensed in CO, AZ, CA, ME, SC & TN

Answered by Sarah Rollins Medicare Insurance Agent

Steven Bleicher · Answer

It has been known that a Medigap moves with you from state to state. However, there is a chance that your new state may have a higher premium for the same plan. In addition, the required Part D(rug) plan will very possibly be changed due to a difference in their drug formulary. For example, if you are ever prescribed a new medication, especially a brand name Rx, it may not even be covered. Thus, it may be necessary for you to consult with a US or Canadian online discount site. You get two options re. meds: A) using your Part D plan or, B) using the online pharmacies just referred to. You cannot use both for the same drug!

Answered by Steven Bleicher on June 7, 2025

Broker Licensed in AZ

Answered by Steven Bleicher Medicare Insurance Agent

Timothy Brown · Answer

No. Medicare remains your primary insurance. The supplement will still continue to function the same way anywhere in the US.

Bruce Kern · Answer

You do not have to change your medigap plan when you have moved to Florida. But Remember that you have to notify social security of your address change. once that is done you must purchase a Medicare Prescription Drug Plan that is available in Florida.

Answered by Bruce Kern on May 14, 2025

Broker Licensed in NJ, AZ, CO & 13 other states

Answered by Bruce Kern Medicare Insurance Agent

Gary Henderson · Answer

No, you just notify your plan with your new address and they will give you a new rate where you live in Florida. As long as the company is Nationwide and has approval to sell products in Florida and New York, there should be no difference in your coverage. There may be a difference in your monthly premium

Answered by Gary Henderson on May 20, 2025

Agent Licensed in TX, AK, AL & 46 other states

Answered by Gary Henderson Medicare Insurance Agent

Steve Brauer · Answer

This answer is provided in a video format. Watch the agent's video response here: https://medicareagentshub.com/questions/moving-states-original-medicare-medigap-plan-changes#steve-brauer

Vachik Chakhbazian · Answer

No, you likely do not need to change your Medicare coverage when moving from New York to Florida, as long as you have Original Medicare and a Medigap plan. Original Medicare coverage remains the same regardless of your location, and most Medigap plans are transferable if you remain within the US. However, you should notify your Medigap insurance company of your new address.

Answered by Vachik Chakhbazian on April 11, 2025

Agent Licensed in CA, AL, AR & 22 other states

Answered by Vachik Chakhbazian Medicare Insurance Agent

Linda Davies · Answer

Medigap plans are federally standardized, meaning they offer the same coverage regardless of where you live. This means your basic coverage will continue to apply in Florida. 

However, I would check for any price difference for your plan between the states.

Mary Salmon · Answer

Because Medicare Supplements (medigap plans) are standardized, you can keep your same policy when moving from one state to another. However, rates vary from state to state so it is advisable to check the rates to see if your rate is changing. The first thing you need to do is update your address with your carrier. Then check the rates to see if you need to shop your plan based on the new rates.

Answered by Mary Salmon on April 24, 2025

Broker Licensed in TX & OK

Answered by Mary Salmon Medicare Insurance Agent

David Christian · Answer

No you do not.  Your coverage will cover you across the nation with the Medigap plan.  Just make sure your new doctors accept the Medicare contract.

Glenn Alterman · Answer

No.  You have the best coverage possible and there is no need to change your supplement plan at all

Jack Mayer · Answer

No need to change because Med Supps or Medigap plans are not network based plans like Medicare Advantage Plans are and therefore you go to any provider or hospital anywhere that accepts Medicare.

Sonya Chandler · Answer

You can keep your New York Plan in Florida. Yet, you should check to see the cost of the Plans in Florida as you may be able to save on premium.

Rachael Metcalf · Answer

No medigap plans cover you anywhere. But, depending on the state you moved to, it may have a cheaper rate and you can still get guarantee issue from moving one state to another.

Ron Gambles · Answer

Always consult with your Plan when you relocate.  It may or may not be necessary because each Plan varies in it's geographical coverage.

Alexander Lehn · Answer

The best thing to do is to call your Medigap plan or your insurance broker to check. Certain plans won't issue policies in different states and while it may cover your for a short time, there is a chance for trouble in the long run. In general, there should not be any issues, but because this question is carrier specific, it is best to check with them.

Answered by Alexander Lehn on June 6, 2025

Agent Licensed in NV, CA, FL & TX

Answered by Alexander Lehn Medicare Insurance Agent

Adriana De la Cruz · Answer

Yes, find someone to help you with that. An insurance agent can explain the process and definitely help and find the best for you

David Cranford · Answer

Yes you do. Your coverage will allow you to travel, however, if you residence changes it may impact the premium you pay for the coverage. Plus, you may learn about benefits that are available in your new state.

Answered by David Cranford on June 17, 2025

Agent Licensed in OK, FL, IL, OH, TN & TX

Answered by David Cranford Medicare Insurance Agent

Barry Williams · Answer

You don’t have to switch, but you might be able to, if you want.
You can keep your current Medigap policy no matter where you live, as long as you still have Original Medicare.

If you want to switch to a different Medigap policy, you’ll have to check with the Medigap insurance company about your options.

Remember, you may have to pay more for your new Medigap policy and answer some medical questions if you decide to switch your Medigap policy outside of your Medigap Open Enrollment Period.

You will need to change your Part D prescription drug plan to a plan that available in your new area.

I just moved from New York to Florida and have Original Medicare with a New York Medigap plan. Do I need to change my coverage?

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I just moved from New York to Florida and have Original Medicare with a New York Medigap plan. Do I need to change my coverage?

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