Comparison Matrix: Medicare Options When Moving
The following comparison table outlines how an inter-state move impacts each major component of Medicare coverage, including action triggers, portability features, and pricing adjustments.
| Medicare Component | National Portability | Triggers Relocation SEP? | Primary Action Required | Pricing & Coverage Impact |
|---|---|---|---|---|
| Original Medicare (Part A & Part B) | Full nationwide coverage across all 50 states and territories. | No | Update permanent residential address with Social Security (SSA). | Part A remains premium-free for most; Part B standard premiums remain tied to income, not geography. |
| Medicare Advantage (Part C) | Restricted to county/regional local service network area. | Yes, when moving out of designated service area. | Disenroll from old plan; choose new local plan or revert to Original Medicare during SEP. | Premiums, network providers, out-of-pocket maximums, and extra benefits change entirely based on county. |
| Part D Prescription Drug Plan (PDP) | Restricted to designated CMS regional service areas (34 regions). | Yes, when moving outside your plan’s CMS region. | Select a new PDP operating in your new region during your SEP window. | Formularies, copayment tiers, preferred pharmacies, and monthly premiums adjust based on regional contract. |
| Medigap (Medicare Supplement) | Full nationwide coverage alongside Original Medicare. | Generally No (Yes for Medicare SELECT plans). | Notify insurer of new address; maintain premium payments. | Coverage stays active, but monthly premiums adjust based on new zip code demographics. Switching plans may require underwriting. |
Leave a Reply