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

Mike Alexander · Answer

1st you have to be sure to notify your insurance company of your move, as well as Medicare.
Since you have relocated, you have a special enrollment period to enroll in a plan that is in your new area.
Many of the carriers are in multiple states, and you could stay with the same carrier

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.

Steve and Sue Brauer · Answer

So if you just moved from New York to Florida and you have a Medigap plan, you don't need to get another one. Once you have a Medigap plan, it's portable to any state you want to live in. What will probably happen is that once the Medigap plan realizes you live in Florida and not New York, you're going to get a price adjustment. It could be an increase; it could be a decrease, which I doubt it would be. But maybe. Honestly, you might want to look around to see what's available in Florida, and here's why: Florida and Arizona have the largest populations of people over 65. You may want to look at a Medicare Advantage plan in those two states specifically. If it was anywhere else, or pretty much anywhere else, I would not probably recommend that. But we're in Arizona; it's unbelievable. The robust coverage and the amount of competition here is crazy, and it really makes sense for a lot of people, me included. I just turned 65 a year and a half ago, and I'm on a Medicare Advantage plan, and it's great. So anyway, that's the answer: you don't have to change, but you probably will get a price adjustment.

Mark Bilgere · Answer

You are not required to change your New York Medigap plan when moving to Florida. However, your premiums may change based on your new address. Be sure to update your address with the SSA and your supplement carrier.

Answered by Mark Bilgere on December 16, 2025

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

Your Medical should be good.  I am not familiar with NY rules.  The thing you need to call your plans company that wrote it

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, AL, NJ & PA

Answered by Norman Smith Medicare Insurance Agent

Lt Col Tim Brown · Answer

If you have a supplement and not a Part C Medicare Advantage Plan, then report your address change to your carrier.  Drug cards are regional so you’ll have to sign up for a new one of those.

Christopher Boyd · Answer

Check with .your insurance carrier to update your new address. Some companies base your insurance premiums on your zip code or address.

Voss Speros · 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#voss-speros

Ann Sanfelippo · Answer

You generally do not have to change your coverage. Original Medicare works nationwide, and your Medigap plan can usually be kept when you move to another state.

However, you should notify your insurer of your new Florida address, as premiums may be adjusted based on your new location. Also check if your plan offers any regional extras or networks (rare with Medigap, but worth confirming).

The key is that your core Medigap benefits stay the same, regardless of the state.

Pamela Masters · Answer

uUpdate your address with your plan They can tell you what changes for you.  If you have a prescription drug plan you will want to check with your plan about changing that as well.

John Becker · Answer

You can likely keep your Original Medicare and Medigap coverage, but you must update your address with Medicare and your Medigap insurance company. Your premiums may change, and you should review your options in Florida, though switching plans could involve medical underwriting.

Answered by John Becker on November 13, 2025

Agent Licensed in WI & MN

Answered by John Becker Medicare Insurance Agent

Jacqueline Proffit · Answer

Welcome to heaven! haha. 1st step is to notify your Medigap insurance company about your move and new address. The insurer will typically adjust your premium to the Florida rate, which may be higher or lower than your New York rate. if you do need to change coverage they will tell you. only Medicare advantages need to change plan.

Answered by Jacqueline Proffit on November 26, 2025

Broker Licensed in FL, AR, CA & 15 other states

Answered by Jacqueline Proffit Medicare Insurance Agent

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

Nick Mangini · Answer

You are not required to change your plan if you have a Medigap Plan. However, your rate most likely will change due to your new residence in Florida now and it's always good to shop your coverage to make sure you have the best rate of Florida. Florida is much different than NY and I know this because I am a Florida based agent. Medicare Sharks would love to help you!

Answered by Nick Mangini on August 24, 2025

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Cody Biggs · Answer

No—you don’t have to change anything. With Original Medicare and a Medigap plan, you can see any provider nationwide that accepts Medicare, so your coverage works the same in Florida as it did in New York.

That said, it’s still worth reviewing your options. Florida may have Medigap plans priced lower than what you’re paying now, but depending on your situation, switching could require underwriting—so you don’t want to move plans without comparing first.

Robert Lukasik · Answer

Not right away. The Insurance company will require you to change your plan to your new residence within 6 months though. They do this because the monthly premiums are based on geographic location. If Florida has underwriting for Medicare supplement plans your current and past health history may be a factor in the premiums you pay.

Answered by Robert Lukasik on November 15, 2025

Broker Licensed in NY, FL & PA

Answered by Robert Lukasik Medicare Insurance Agent

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

Janix Barbosa-LLanos · Answer

Since you moved from NY to FL, I would encourage you to talk to a local agent. The agent can help you to review your current Medicare coverage and make sure everything still fits your new location. 

Your Original Medicare (Part A and Part B) will continue to work nationwide.

Check if your current NY Medigap is cost-effective for your situation or an appropriate option in Florida, since availability changes by state. 

In addition, with your Medigap policy, you need to have a new prescription drug plan coverage for the new county you are living in now. 

Check for Medicare Advantage plans in your area. You should allow yourself to have access to several healthcare coverage options.
_________________________________________________________________________________________________
Medicare / CMS Disclosure
For educational purposes only. Janix Barbosa-LLanos is not affiliated with or endorsed by Medicare or any government agency. Plan availability and benefits vary by ZIP code and individual eligibility.

Bill Green · Answer

Hey, so this is a great question. Moving on to Medicare, Medicare supplement is different than an Advantage plan. So in Medigap Medicare supplement, you don't necessarily have to change plans. However, I will say that New York is known for some very high premiums on their Medigap plans. So it could very well be worth it to explore those new plans here in Florida, where we're located, to see if you can save some money. Worst case, we can’t save you some money. Well then, keep what you got. Best case, you'll save yourself a few dollars a month, 20, 30, or even $100 more per month. It just depends on where you live, what your health is like, if you qualify, and then what other plan you want to look at. Hope that helps y’all!

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

Karen Murray · Answer

No—Original Medicare (A & B) works nationwide, so you don’t need to change that.
You can usually keep your New York Medigap (if it’s not a Medicare SELECT policy), but notify the insurer of your new Florida address and ask about any premium/residency changes.
If it is Medicare SELECT, moving out of area gives you a 63-day guaranteed-issue right to switch to a standard Florida Medigap.
Your Part D drug plan (and any Medicare Advantage plan) is region-specific, so your move triggers a Special Enrollment Period to choose a Florida plan.

Steven DiPaolo · Answer

No, but you may want to check it out. 

New York rates are very high, and you may be able to get a better rate in FL for the same plan.

Doug Carlson · Answer

No you do not need to change coverage, but it would be advantageous to look at the new options available in the new State.  You do need to update your stand-alone Drug plan.

Patrick Bullock · Answer

You do not have to change anything as Medicare supplements are good nationwide. However, if you are in good health and able to change, you may want to see what your current plan would cost in your new state.

Answered by Patrick Bullock on June 10, 2026

Broker Licensed in PA, DE, FL, NJ & VA

Answered by Patrick Bullock Medicare Insurance Agent

Chris Connell · Answer

No, you do not. Your carrier may adjust your rate based on your new zip code once you update your address with them.

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

Andrew Zurbuch, MBA · Answer

Yes, contact your current Insurance Company of your Medigap insurance policy with 60 days of your move date. Also, you should consider changing your coverage to a Medicare Advantage plan. You may get the coverage you want for less premium. It depends on some factors, so go over all of the details with a Broker. Please contact a Broker.

Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare to get information on all of your options.

Jim Tretola · Answer

Most of the time, the answer is no, but there are times when it is yes. What you should know is that rates vary by state, and certain States may have underwriting requirements if you move. Plus, if your current Carrier does not operate in that State, you will have to find another Carrier to apply to.

Answered by Jim Tretola on October 5, 2025

Broker Licensed in NJ, CA, CT & 6 other states

Answered by Jim Tretola 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.

Kristen Skinner · Answer

Yes. If you recently moved from state to another state, your plan will change. Each state and county has a different plan. You will receive an SEP, special enrollment period, to enroll in a plan. Keep in mind you may only have 60 days to find a plan in Florida. Call your local agent to ask.

Answered by Kristen Skinner on June 8, 2026

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Rich Baker · Answer

In general, no. Your Medigap coverage is portable - in other words, plan G is plan G no matter where you go. The rates in Florida may be lower, so it might be worth going through underwriting to get a better rate. 

I’d start by calling your carrier and telling them about your move, make sure they’re licensed in Florida, and see if they change your rate because of the move. You can decide what to do from there.

You WILL need to find a new Part D plan. You have the month of your move and the two months after to make that change, so don’t wait!

You can always reach out to a local agent if you need help. Good luck!!

Gus Karigan · Answer

You can keep your Original Medicare and Medigap plan, and it’ll still work in Florida.
But it’s worth checking Florida’s Medigap rates — you might save money or find a better deal.
You’ll definitely need to update your Part D prescription plan for your new ZIP code.

Nick Sarant · Answer

I WOULDNT. MOST MED SUPP PLANS ARE PORTABLE. YOULL NEED TO NOTIFY YOU MEDIGAP PLAN OF YOUR MOVE. YOU WILL NEED HOWEVER CHANGE YOUR DRUG PLAN, PARTD

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

Jason Vallejos · Answer

Medigap plans typically are always available to you in any state. If you like your plan, there is no need to make a change. However, if you would like an evaluation, please let us know at no obligation.

Answered by Jason Vallejos on October 20, 2025

Broker Licensed in CA, AZ, CO & 17 other states

Answered by Jason Vallejos Medicare Insurance Agent

Lenora Sikkenga · Answer

First and foremost,  notify Medicare and your carrier of your move.  Your New York medigap plan will still be active but the premiums could increase or decrease depending on Florida insurance rates.

Carolyn Duncan · Answer

This is not required but could be beneficial to review the premiums, coverage, and possible need for health underwriting depending on the length of time a person has been on Medigap.

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

Joseph Ford · Answer

No, medigap plans follow you in any state, the only time you would have to change plans would be if you had a medicare advantage plan

Lee Hampton · Answer

No, you’re not required to change your coverage. Your Medigap plan works anywhere Medicare is accepted, so you’re still covered in Florida.

That said, it’s a good idea to review it. New York uses a different pricing method than Florida so your current plan may not be the most cost-effective long-term.

If you’re in good health, it may be worth shopping for better pricing.

Also, don’t forget your Part D plan—you’ll have a 2-month Special Enrollment Period after your move to choose a Florida-based plan.

Lisa Kirchner · Answer

While your network is medicare with your medigap product, you must change your stand alone drug plan to a plan offered in the county where you reside.  You only have 60 days to do so.

Also, you will get an election and guaranteed issue (no medical underwriting) to choose a medigap product that may open more doors to providers where you live currently.  It is always worth getting a quote.

David Schneider · Answer

No. Your will need to contact the carrier and let them know of the move. It may have an affect on  your rate.  The the rate can vary based on the health care cost in the new location.

Fred Manas · Answer

You do not need to change your Original Medicare coverage when moving from New York to Florida. Original Medicare (Parts A and B) is a federal program and works anywhere in the U.S. where providers accept Medicare. However, you may need to change your Medigap plan, depending on the availability of plans in Florida and your specific situation. 
Original Medicare (Parts A & B):
Coverage Remains the Same:
Original Medicare, which includes Part A (hospital insurance) and Part B (medical insurance), works the same way regardless of which state you live in, as long as the provider accepts Medicare. 
No Need to Transfer:
You don't need to transfer or re-enroll in Original Medicare when moving from New York to Florida. 
Address Change Notification:
You should notify the Social Security Administration about your change of address. 
Medigap (Medicare Supplement) Plans:
Portability:
Medigap plans are generally portable, meaning you can keep your existing policy when you move to another state. 
Premium Adjustments:
Your Medigap premium may change when you move, as premiums can vary by location, but your coverage will generally remain the same. 
Plan Availability:
Your specific Medigap plan might not be available in Florida, or new options may be available. 
Enrollment Options:
If you need to change your Medigap plan, you'll have a Special Enrollment Period triggered by your move, giving you a chance to enroll in a new plan within a certain timeframe. 
Check with your insurer:
You should contact your Medigap insurance company to understand your options and the specific rules in Florida. 
In summary: You can keep your Original Medicare. You may need to change your Medigap plan, but your existing plan will still be valid. Contact your Medigap insurer to understand your options in Florida.

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

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

Mary Brown · Answer

Original Medicare is federal, so your hospital (Part A) and medical (Part B) coverage travel with you anywhere in the U.S.
Medigap (Medicare Supplement) plans are issued by private insurance companies and regulated at the state level.
When you move, your Medigap insurer may still cover you, but the rates and plan availability can differ by state.
Many companies will let you keep your existing plan if you move to another state, as long as you continue paying premiums.
However, your premium may increase or decrease because pricing depends on your new ZIP code.
If you want to change insurance companies or plans, you’ll generally need to apply for a new policy in Florida.
In most cases, you’ll have to answer health questions (medical underwriting) unless you qualify for a special guaranteed-issue right.
Call your Medigap insurer and confirm your new Florida address, and
Ask whether your current plan’s rates or coverage terms will change.

Marcie Barnes · Answer

You will not need to change the Medigap plan. Keep in mind rates for plans vary based on zip code.  It's always good to check Medigap plan rates for Florida compared to New York 

You will need to change your prescription drug plan to a Florida plan.

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.

Todd Bostic · Answer

Yes, because New York Medigap is completely different other states and the cost is definitely different so my recommendation is to go ahead and contact the company. You have your Medicare supplement with and tell them you moved to Florida. There’s a good chance that it will be less expensive but there’s also a possibility it could be a little more.

Answered by Todd Bostic on June 8, 2026

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Pat Papson · Answer

Hello
Absolutely,  each state and county has different plans.

Also there is a time restriction on obtaining coverage, so you won't be subject to a penalty, or have to wait for an open enrollment period.

Dont delay..

Eizel Mere · Answer

Welcome to Florida! You do not have to, but it is recomended. Supplement plans are accepted anywhere they accept Original Medicare but there may be companies in FL that have the same plan for lower monthly premium. Prescription drug plans are different and needs to be changed to your zip code network.

Answered by Eizel Mere on September 22, 2025

Broker Licensed in FL

Answered by Eizel Mere Medicare Insurance Agent

Rodolfo Rojas · Answer

You do not need to change your Medigap plan. Original Medicare will move with you. 
Your Medigap premium could change; you would need to check with the carrier of your plan.

Joseph Peck · Answer

You should stay on your medigap plan, it travels with you. The only thing you will need to change is your drug plan.

Toni Cormier · Answer

Medigap benefits are standard; however, now that you are living in Florida you would want to check to ensure the plan you had in New York is available in Florida as well as if you premium will change or stay the same.

Answered by Toni Cormier on July 12, 2025

Broker Licensed in TX, CA & OK

Answered by Toni Cormier Medicare Insurance Agent

Gary Haft · Answer

No need to change your plan only your residence address.  Depending upon the carrier you are with - more than likely - your rate will change based on your zip code in Florida. 
If you were thinking of changing your plan in Florida - it would be based on your current age and of course your zip code.  The only reason to change is if your premium on a Florida policy is less in premium for the same plan you are currently on, but the concern is you would likely be underwritten and have to answer medical questions to qualify. I am a Medicare Agent for the past 41 years.

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.

Glenn Alterman · Answer

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

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.

Adam Morillo · Answer

Great question, technically you do not need to change but it's worth seeing if you can get a better rate in the state. If you do not change it will adjust to the new area's premium at the 2 year mark.

William Murray · Answer

Your plan is portable. You can take it with you, change your address of record and your monthly premium will change to the premium in affect in your new geographical home area.
Changing your coverage is another choice. It depends on how your monthly premium compares to other plans in the new area.

Kevin Chaikin · Answer

It depends who your carrier is in NY. Generally you just need to call that company and update your address and your rate will change, probably for the better from NY to FL. If your NY company is not in FL talk to the carrier about your options and look to find a broker to help you. Part D you will need to submit a new application even if with the same company/plan in FL.

Answered by Kevin Chaikin on July 28, 2025

Broker Licensed in VA, AL, AZ & 31 other states

Answered by Kevin Chaikin Medicare Insurance Agent

Blaine Shipe · Answer

You may want to look a less expensive options that might be here in AZ… but you do not have to change, even though you maybe paying a higher price. Contact me for more information. This is true for FL. You do need to change your drug plan however if it is a permanent move.

Answered by Blaine Shipe on October 13, 2025

Broker Licensed in AZ, CA, CO & VA

Answered by Blaine Shipe Medicare Insurance Agent

Shahwali Hotaki · Answer

No — you can usually keep your New York Medigap plan in Florida, but check if your premium changes and compare local options.

Mark Walker · Answer

That is a great question. A lot depends on your age. There iis a discount on premiums for younger people to switch from a NY community rated plan into a Florida age rated plan. Florida is an insurance age state. Meaning if you stay with the same insurer, you benefit from maintaining the age you were when you first applied. In the long term that is extremely beneficial.

Answered by Mark Walker on September 8, 2025

Agent Licensed in FL

Answered by Mark Walker Medicare Insurance Agent

Frances Eleanor Mitchell · Answer

No you don't need to change your coverage. Just call the number on the back of your card let them know where you moved from and to and they will make the changes to premiums automatically. You will have to give your new banking info but because you have a Med Supp your plan remains the same.

Answered by Frances Eleanor Mitchell on May 18, 2026

Agent Licensed in Fl & CT

Answered by Frances Eleanor Mitchell Medicare Insurance Agent

Lyle Affleck · Answer

Due to the nature and design of Medigap plans, you do not have to change your insurance coverage, as long as you still hold onto your original Medicare. You may want to see if the costs will increase for your plan, though. Different service areas (determined by your ZIP code) could change the premium cost of your plan, even if the plan itself does not change.

Answered by Lyle Affleck on July 28, 2025

Agent Licensed in UT, CO, FL & 8 other states

Answered by Lyle Affleck Medicare Insurance Agent

Russell Scott · Answer

Not necessarily. But it is always advisable to check and make sure your coverage is adequate for working in your new location. You also might want to consider your options as there might be opportunities to save money on making a change to a plan in your new area.

Answered by Russell Scott on January 19, 2026

Agent Licensed in OK, CO, KS, MO & TX

Answered by Russell Scott Medicare Insurance Agent

Angelina Watkins · Answer

You do not have to change your Original Medicare coverage, as it is federal and follows you to Florida. However, you must notify your Medigap insurer of your new address, and while you can likely keep your current New York plan, you may want to explore new options in Florida because your premium may change and Florida offers different insurance carriers and prices.

Answered by Angelina Watkins on November 1, 2025

Agent Licensed in OH, FL, GA & 5 other states

Answered by Angelina Watkins Medicare Insurance Agent

William Wheatley · Answer

So the easy answer is No. You shouldn't have to change anything, but report your new location to Social Security and the Medi Gap carrier. But the better answer is you shouldn't have to change anything as far as your A and B Medicare coverage because it is, of course, a Federal program. But your Medi Gap plan may change based on location, etc. And could change the premium cost. A good agent, such as myself, who is trained, will tell you the best next steps are to report first to Social Security of your move and to the Medi Gap Carrier as well. Then, A quick look or review of other options is always a good thing, especially if your Medigap plan is tied to a specific HMO network, which might not be available in a New location. Again, know that changing a plan can often save money or be pricier with new underwriting required.

Answered by William Wheatley on December 1, 2025

Agent Licensed in MD

Answered by William Wheatley Medicare Insurance Agent

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.

Jajuan Knox · Answer

Since you moved to Florida, your New York Medigap plan may not cover you the same way it did before, because Medigap plans are state-specific. You’ll want to look into enrolling in a Florida Medigap plan or check if your current plan offers coverage out-of-state, so you don’t run into gaps in your Original Medicare benefits.

Answered by Jajuan Knox on February 20, 2026

Broker Licensed in FL, AK, AL & 49 other states

Answered by Jajuan Knox Medicare Insurance Agent

Daniel Underwood · Answer

You can usually keep your Medigap plan when you move to a new state like Florida. But it’s a good idea to call your insurance company to see how your plan works there.

Rene Apack · Answer

Welcome to Florida 
you don't not need to make any changes because a Medicare Supplement coverage is identical is in the whole USA.
Best wishes 
René Apack

Brenda Skasko · Answer

Your coverage does not need to change. However, you want to update your address with Social Security administration, along with your insurance company immediately.  As the premiums may vary, this would also be something to discuss with your agent/broker during your SEP, (Special Enrollment Period)  due to your move.

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.

Gregory Brown · Answer

Yes but you must inform your insurer of your new address and expect your premium to change. It would be good to check your options in fl.

Elliot Andrews · Answer

You aren’t required to change your MediGap plan (though there may be less expensive option available in your new area), but if you also have a Prescription Drug Plan you do need to have that changed for a local plan.
Contact a licensed Florida agent for assistance.

Charles Mai · Answer

Since he moves to a new area, he will have a 60 days window to choose the following:

1) keep the NY Medigap plan, but need to buy a new PDP; and.
2) enroll in the MAPD

And if he wants option 1, he can shop for a different Medigap plan as well if he is healthy.

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.

Lisa Wohlhieter Hobbs · Answer

First of all, welcome to Florida!  You should notify Medicare through your Medicare account regarding your new address and understand there could be rate changes.  You should also verify whether your plan is offered in your new Florida zip code area.  Yes, it is plausible you can keep your 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.

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.

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

Aubrey Prince · Answer

No you do not but getting a quote won't harm you at all. There's a chance you can save money each month by changing to another insurance company and keep the same coverage! I could help you with that today!

Loretta Simmons · Answer

No the answer is no. But you need to notify your Medigap insurer of your new address to avoid any issues. You can also choose to switch to a Medigap plan available in Florida because this would be an SEP (special enrollment period) which you are eligible for due to your move.

Stephanie Calvillp · Answer

If you have Original Medicare and a Medigap plan, you can generally keep your coverage when you move to another state because Medigap plans work nationwide. However, it's still a good idea to review your coverage and update your address with Social Security and your insurance company.

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.

Kristin Hanson · Answer

No. Ypur Medicare Supplement travels with you.  What you may want to check out is what the the
Insurance company is charging you for your premium payment.  Normally your payment will remain the same for a year, then you will probably have an increase in a year based on Florida rates.

Brittany Hankins · Answer

Hi! If you have a Medicare Supplement (Medigap) policy, you can usually keep your same Medigap plan. You’ll just need to update your address with your insurance company and your premium could change depending on your new location. However, if you have a Part D Prescription Drug Plan or a Medicare Advantage Plan, those plans would need to be updated as they are based on your zip code.