9. Moving Outside Your Healthcare Network Without Research

The dream of downsizing often includes moving to a quiet coastal town, a scenic mountain cabin, or a rural community with a low cost of living. While the scenery might be idyllic, the infrastructure might be severely lacking—specifically regarding medical care.

Before you commit to a new location, you must verify the quality and accessibility of local healthcare. If you rely on specialized doctors, ensure there are comparable specialists within a reasonable driving distance. Furthermore, if you utilize a Medicare Advantage plan, you must check if your new zip code falls within the plan’s coverage network. Moving out of your plan’s service area will require you to secure a new policy, which could alter your out-of-pocket costs and prescription drug coverage. Always verify your coverage options using the resources at Medicare.gov before finalizing a cross-country move.