Only some Medicare plans are able to be accessed across state lines.
Original Medicare Part A and Part B
Original Medicare Part A and Part B are not state specific; coverage will follow you from one state to the next.
Medicare Advantage and Medicare Part D Prescription Drugs
Both of these plans are non-transferable from one state to the next. Enroll in a new plan during a special enrollment period.
Because most Medigap plans do not have provider networks, they are also not state specific.
The one Medigap exception is Medicare Select which does use a provider network. In this case, two options are available to you:
- Switch to a regular Medigap policy from the same insurer.
- Use the special enrollment period to sign up for a different Medigap plan (A, B, C, F, K, or L).