Parts A & B are federal, so your hospital and outpatient benefits stay the same no matter where you live. Just give Social Security your new address after the boxes are unpacked.
Leave the service area and you trigger a Special Enrollment Period (SEP).
Tell your plan before the move? Your SEP runs from one month before through two months after you relocate.
Tell them after? You still get two full months from the day you notify the plan.
During the SEP you can:
Switch to a new local Medicare Advantage or Part D plan.
Return to Original Medicare and, if you want drug coverage, pick a stand-alone Part D plan.
Moving within the U.S. usually means you can keep your Medigap policy—just update your address.
Move outside your plan’s coverage area (rare, but happens with some state-based or select-issue policies) and you earn a guaranteed-issue right to buy a different Medigap plan without medical underwriting.
A few states (e.g., New York, Connecticut) let you switch Medigap letters any time of year; others don’t. Check state rules before you cancel anything.
Run new-ZIP quotes. Medicare Advantage premiums and drug formularies can swing wildly from one county to the next.
Verify networks. Your favorite doctors and hospitals may be out-of-network in the new plan—or totally out of reach if you stick with the old one.
Line up coverage dates. Aim for zero gaps by submitting your new application as soon as your SEP opens.
If you’ll be gone for a season but keep your official residence, you generally stay in the same plan. Keep an eye on coverage for non-emergency care while you’re away—Original Medicare plus Medigap usually works nationwide; many HMO-style Advantage plans do not.
Bottom line: Original Medicare follows you, but Medicare Advantage and Part D plans don’t. Use the built-in Special Enrollment Period to pick coverage tailored to your new ZIP, and review Medigap rights if a move takes you outside your current policy’s territory.
Our licensed Medicare advocates can pull every plan in your new county and walk you through the fine print—free of charge. Call 888-376-2028 today.

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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2025 Help Button Inc
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