Now that you are retired, you might have decided that you are ready to leave the hustle and the bustle of the big city behind and move to that small quiet town you have always dreamed of.
Say you are living in Denver and decided that you would like to live in a small town like Grand Junction or Glenwood Springs, or maybe Buena Vista, or Pagosa Springs.
Fast forward several weeks or months. You have decided to make the move. The housing is affordable, the weather is nice, and the restaurants are good. You have budgeted for all your foreseeable expenses, have made an offer on your new house, and are ready to put your current house on the market. Things are going to be great, but you could be in for a Medicare surprise.
Unfortunately, many people have given little or no thought on what happens to their Medicare coverage when they move to a new town in or out of state. If you have a Medicare Supplement (Medigap) plan, you are good to go, as your Medicare Supplement plan will travel with you. On the other hand, if you have a Medicare Advantage plan and are moving out of your plan’s service area you are going to have make changes to your Medicare coverage.
The availability of Medicare Advantage Plans may vary throughout a state
Let’s go back to Denver for a minute. There are over 15 different Medicare Advantage Plans available in Denver. In Grand Junction, there are two and in Glenwood Springs, there are no Medicare Advantage plans available.
Before making your move, you should be aware of the fact that there could possibly be limited or no Medicare Advantage plans available in your new hometown. If that is the case, a Medicare Supplement (Medigap) plan along with a Part D prescription drug plan is a good option.
Medicare made easy
I specialize in Medicare products for seniors and represent all Medicare plan types. I will provide you with the information you need to make an informed decision and help you find the plan that will fit your budget and meets your unique needs.
I make the complex simple by shopping the plans and rates for you. There is never a fee and you are under no obligation to use my services.
Not sure about the differences between a Medicare Advantage plan and a Medicare Supplement (Medigap) plan, read my article Medicare Supplement or Medicare Advantage here.
Medicare Explained in Plain English