How do I switch my Medicare from one state to another?


Editorial team Published on

To switch your Medicare coverage when moving to a new state, you must update your address with the Social Security Administration and select new regional private plans (like Medicare Advantage or Part D) if your current plans do not cover your new area.

🗺️ Original Medicare (Parts A & B)

  • No change required: Your federal coverage stays the same nationwide.
  • Action needed: Update your new address online via your My Social Security Account or by calling 1-800-772-1213.

⚠️ Medicare Advantage or Part D Drug Plans

  • Local coverage rules: These private plans are tied to specific service areas or counties.
  • Action needed: Choose a new plan available in your new zip code.
  • Special Enrollment Period (SEP): Moving gives you a 2-month window to enroll in a new plan, starting the month before your move or the month you report it.
  • How to switch: Search local options using the Medicare Plan Finder or call 1-800-MEDICARE.

💡 Medigap (Supplemental Insurance)

  • Nationwide validity: Your Medigap policy travels with you anywhere in the U.S.
  • Cost changes: Premiums may adjust based on your new zip code.
  • Switching risk: Changing companies later may require health questions (medical underwriting) depending on state rules.