Whether you’re relocating for a new adventure or chasing better weather, moving can have a big impact on your Medicare coverage. Understanding what steps to take—and when—can help ensure uninterrupted benefits and avoid costly surprises.
What You Need to Do When You Move
If you’re enrolled in Original Medicare (Parts A & B), your coverage follows you anywhere in the U.S. But if you have a Medicare Advantage or Part D prescription plan, you’ll likely need to change plans when you move, as these are based on geographic service areas. Notify Medicare and your current plan provider as soon as possible, ideally at least a month before your move. You’ll have a Special Enrollment Period to switch plans, typically lasting two months (60 days) from the date you move.
Why Working with a Local Medicare Agent Is Smart
Finding a trusted local Medicare agent in your new community can make all the difference. Local agents understand the specific plans available in your ZIP code and can walk you through network differences, prescription formularies, and preferred provider access. Their insight can help you make confident choices tailored to your new area and your health needs—at no cost to you.
Social Security Check Location Matters
Where Social Security sends your check—or your official address on file—can affect your Medicare enrollment. If you receive Social Security benefits, your Medicare eligibility and Part B premiums are often tied to this address. When moving, be sure to update your address with the Social Security Administration promptly. This ensures your records stay current and helps avoid delays in receiving plan information or benefits.
Permanent vs. “Snowbird” Moves
A permanent move involves establishing a new primary residence—updating your address for taxes, Social Security, and Medicare. This type of move typically qualifies you for a Special Enrollment Period.
A “snowbird” move, on the other hand, refers to living part of the year in a second location, often during winter months. If you spend significant time in both places but maintain your primary residence, you may not need to change your Medicare plan. However, it’s important to check whether your current plan offers coverage in both areas—especially for Medicare Advantage plans with regional networks.