Medigap insurance, change when you move? (55, supplement, moving, states)

[JerseyGirl721]

Would we need to change our supplemental plans if we move to another state?

[mathjak107]

Depends ... you have to compare rates and what the plans allow ..... ny as an example has no age increases and allows switching of plans with no under writing but they cost more than many other states

[rjm1cc]

Best to go to https://www.medicare.gov/ and research the plans available in your new area. You may find something better than you have.

[JRR]

When we moved from Florida to Tennessee, my wife kept her AARP/UHC plan N; the rates just went down. I could have kept my High Deductible F plan, but my rate stayed the same as in Florida. I chose to go through underwriting and change to another company here to reduce my rate.

[engineman]

Not every company does business in every state. You may not have the option of keeping your present coverage.

[mathjak107]

if it is medicare and a supplement it likely is fine ...advantage plans are the bigger issue

[reed303]

Originally Posted by engineman

Not every company does business in every state. You may not have the option of keeping your present coverage.

The basic question of moving out of state with an existing Medigap supplement is answered by Medicare here:

https://www.medicare.gov/supplements...digap-policies
"I'm moving out of state.
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 your current or new insurance company to see if they'll offer you a different policy.
If you decide to switch, you may have to pay more for your new Medigap policy. You may also have to answer some medical questions if you're buying a Medigap policy outside of your Medigap open enrollment period.

"

[biscuitmom]

1. Check with your provider. In our case, they did not offer coverage in our new state. [edit: they did cover some parts of our new state but not the city to which we moved.)

2. Even if they do offer coverage in the new state, make sure it's sufficient, i.e., that hospitals and caregivers in that location accept it. Most providers' websites have directories that you can check, or you can call hospitals and caregivers in the new location to ask if they accept your current coverage.

3. In most cases, relocation to a new state enables you to switch to a new provider without having to pay more or go through a waiting period. (We didn't.)

[mathjak107]

that is an advantage plan issue not medicare and supplement

[Vision67]

Originally Posted by mathjak107

that is an advantage plan issue not medicare and supplement

Good point.

We switched out of an Advantage plan in January to original Medicare with a Supplemental plan partly to have the option of going out of State if required to get specialized medical care.

With the Advantage Plan we were always worried about who would take it and asking for pre-approvals.

Advantage Plans are great until they aren't.