Do I Have to Switch Medigap Policies if I Move to Another State?

Moving can be traumatic enough without having to think about changing your Medigap coverage. However, you might want to consider it if you are moving. If you move to another state you are not required to change your Medigap coverage. However, if you have a Medigap SELECT plan and you move out of the Provider Network, your coverage will only work for emergency care. Moreover, if you move out of state and you have a regular Medigap policy you may also think about getting a new policy.

Moving with a SELECT Medigap Policy

Select Medigap policies require the user to use a local Provider Network of doctors, hospitals and care givers. Through the use of the Provider Networks the insurance company is able to control the costs of care. If you move outside of your Provider Network you will need to switch plans to have viable coverage for everything except emergency care. You will have 60 days before your current coverage ends and 63 days after it ends to add a new Medigap policy using your Medigap Guaranteed Issue Rights.

Auntie Lou says, "Haven't you moved enough?"

Learn About the Medigap Rules in Your State

Every state has added their own rules onto the federal laws that protect patient's rights. In some states Medigap plans are much more tightly regulated than in others. After you move, take some time to look at equivalent plans to the one you already have. You may find that the premiums are much cheaper or that the rules are more favorable to patients. In addition, if your old company doesn't offer coverage in the new state you may find it more difficult to get all the paperwork handled efficiently when you do need care.

In summary, if you have a SELECT Medigap policy you will need to get a new one if you move outside of your Provider Network. You will have 60 days before coverage on the old policy ends and 63 days after the policy ends to buy new Medigap insurance using your Guaranteed Issue Rights. Even with a regular Medigap policy you may want to review your coverage and compare it to the plans available in your new state. As always, make sure you understand all the terms of the new policy and inquire about what isn't covered and any waiting periods that might apply to the new plan.