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Can I Keep My Medigap Plan If I Move?

If you’re moving to another state, here's what you need to know about keeping your Medicare Supplement Insurance.

Christian Worstell

by Christian Worstell | Published October 26, 2023 | Reviewed by John Krahnert

If you’re moving to another state, you are typically able to keep your current Medigap policy as long as you maintain your Original Medicare (Part A and Part B) enrollment. However, there are some exceptions to this rule. Read on to learn more.

What to Know If You're Planning to Move

You may not have to switch Medigap plans if you move, but it's always a good idea to double-check with your insurance carrier. There are certain circumstances that may prohibit you from keeping your plan:

  • You have a Medicare SELECT plan
    Medicare SELECT is a form of Medicare Supplement Insurance that provides coverage within a specific network of hospitals and doctors. Although these policies tend to offer coverage with lower premiums than traditional Medigap plans, their coverage is more restrictive. For example, if you have Medicare SELECT and go outside of your plan's network for care, your Medicare SELECT plan will not cover the services you receive, and you must pay for them out of pocket. It is also important to note that Medicare SELECT plans are only available to residents living in certain states.

  • You live in Minnesota, Massachusetts or Wisconsin
    If you live in (or are moving to) Minnesota, Massachusetts or Wisconsin, you should ask your insurer about the ways in which your move could effect your Medigap coverage. Medigap plans in those states are standardized differently.

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