With Original Medicare (Part A and Part B), you can see doctors anywhere in the United States, as long as they accept Medicare.
If you travel or move to another state, your Original Medicare coverage goes with you. The same is true if you move to or travel to Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands.
If you have a Medicare Supplement Insurance plan (Medigap), a Medicare Advantage plan (Medicare Part C) or a Medicare Part D prescription drug plan, this guide can help explain what you need to do to use your Medicare plan in another state.
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You don’t have to do anything to use Original Medicare in another state. You will want to update the address that Social Security has on file for you.
You can use your Original Medicare benefits in another state if you visit any health care provider who participates in the program.
Medicare participation in any state can be broken down into three categories:
If you are a Medicare beneficiary and move to another state, you can change your address that's on file with Medicare by contacting the Social Security Administration (SSA).
Here are some ways you can contact the SSA:
Medicare Supplement Insurance, or Medigap, may be used in any state with any provider that accepts Original Medicare. Any time that you use Medicare Part A or Part B benefits, you may use a Medigap plan along with it.
Additionally, some Medigap plans can provide coverage for qualified emergency care received outside of the United States, which is something that Original Medicare does not cover.
Medicare Advantage and Medicare Part D prescription drug plans are both sold by private insurance companies.
Medicare Advantage plans can come in a few different forms that can determine how the plan may be used in another state.
Two popular types of Medicare Advantage plans include:
Many Medicare Part D plans may feature a network of pharmacies. Some plans include regional or national networks, while other plans may have more localized networks.
If you have a Medicare Advantage or Medicare Part D plan and move to a new state, you may qualify for a Special Enrollment Period.
Your current plan may no longer cover you at your new address, but you may be granted an opportunity to switch to a plan that does offer coverage in your new location.
If you want more information about where you can use your Medicare plan and how to ensure you have the coverage you need when moving or traveling to another state, speak with a licensed insurance agent who can help answer your questions.
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Christian Worstell is a senior Medicare and health insurance writer with MedicareAdvantage.com. He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.
Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.
Christian has written hundreds of articles for MedicareAvantage.com that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.
Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.
A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism.
If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at Mike@tzhealthmedia.com.
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