Did You Know: Medigap Follows You

Yes, that’s correct! When you move to a new state, you can generally keep your existing Medicare Supplement (Medigap) plan and your agent.

When you move out of state, your Medigap plan can generally follow you, as long as you remain enrolled in Original Medicare (Part A and Part B). Here are some key points to consider:

1. Coverage Continuity: Medigap plans are standardized and can be used with any provider that accepts Medicare, regardless of the state. This means your benefits will continue to cover out-of-pocket costs like copayments, coinsurance, and deductibles. 
2. Premium Adjustments: Your Medigap premium might change based on your new location. Different states have different pricing structures, so it’s important to notify your insurer about your move. 
3. Plan Availability: While most states offer the same standardized Medigap plans, Massachusetts, Minnesota, and Wisconsin have different plans. If you’re moving to or from one of these states, you may need to switch to a different plan. 
4. Medicare SELECT Plans: If you have a Medicare SELECT plan, which requires you to use a specific network of providers, you may need to switch to a standard Medigap plan if you move out of the plan’s service area2. 
5. Notification: It’s crucial to inform both Medicare and your Medigap insurer about your move to ensure your coverage and billing information are up to date.