Medicare changes when moving to or from New Jersey
Many people on Medicare move to New Jersey to be closer to family and others move out of New Jersey because of the high cost of living. Medicare is a federal program so it can be used nation wide, however the additional coverage options, including Medicare Advantage, Medicare Supplement, and Prescription Drug plans (Medicare Part D) vary based on the state and sometimes even the county you reside in.
Medicare Prescription Drug Plans and Medicare Advantage Plans
That address that Social Security has for you dictates the Medicare Advantage and Prescription Drug plan options available to you. Prescription plans are based on the state you reside and Medicare Advantage are based on the county you live in. If you move out of the service area you will be disenrolled from your coverage at the end of the month that you inform your plan or Social Security of your move. You should plan ahead so that new insurance in your new residents can begin the first of the next month and you do not have a gap in coverage. A Medicare broker in your new area can help you find a plan that is comparable to what you have prior to the move.
Once you know which plan you will be changing to you can update your address with Social Security. The quickest and easiest way to do this is by logging into your Social Security account online and updating your information there. www.ssa.gov
Medicare Supplement plan moves to or from New Jersey
Medicare Supplement plan's options and pricing vary based on the state you reside. Some states have the same pricing for every age (community based pricing) and others have price increases every year you get older (attained age pricing).
If you are enrolled in a Medicare Supplement plan and move out of the service area (typically the state), you will not have to make a change to your coverage however, the premium for your policy will update to your new state’s pricing. New Jersey’s Medicare Supplement premiums are around average pricing versus other states.
If you are enrolled in a Medicare Advantage plan and want to switch to a Medicare Supplement plan, your move out of the service area gives you a one time chance to take certain Medicare Supplement options without medical underwriting questions being asked.
Moves outside of the United States
Some people decide to move to another country for their retirement years. Medicare does not cover costs outside of the states. If you move out of the country you have the option to either disenroll from Medicare or keep Medicare and continue paying the monthly fee for it. If you disenroll you will be penalized when you do reenroll and you can only reapply for Medicare between January 1 and March 31. If you remain on Medicare you won’t be able to use it except for when you are back in the states.
You can not continue on a Medicare Advantage or Prescription drug plan outside of the country and it typically does not make sense to continue paying for a supplement plan since it will not pay after the first 60 days outside of the states. Everyone's situation is different so you should speak to a Medicare professional to ensure you understand your options before making a decision about your healthcare coverage.
Moving into assisted living or nursing home
If you are admitted to a skilled nursing facility this gives an eligibility period to switch Medicare plans from one option to another. You can switch from a Medicare Advantage plan to Original Medicare, however if you don’t already have a Medicare Supplement plan you usually will not be able to enroll in one at this time because health underwriting questions will be asked.
If you or a loved one are in the process of moving to or from New Jersey feel free to reach out to New Jersey Medicare Brokers for assistance in making it a smooth transition for your Medicare coverage.
- What are my dental insurance options while on Medicare?
- 2024 Changes to the NJ PAAD and Senior Gold programs: GSK and Eli Lily Participation
- Medicare and Social Security updates for 2024
- 2024 Medicare Enrollment Period
- Medicare Announces Price Negotiations on 10 Prescriptions
- New and Expanded state assistance programs for Seniors in New Jersey - NJ PAAD, Senior Gold, NJ Freeze & Stay NJ
- Supporting a loved one on Medicare in New Jersey
- Five reasons to work with a Medicare Insurance Broker in New Jersey
- NJ FamilyCare, PAAD, and Senior Gold Renewal- Post COVID-19 Emergency Declaration
- 6 Ways to Prepare for Medicare if You’re Working Past 65
- Medicare updates for 2023!
- Medicare Annual Election Period ends 12/7 and NJ State Assistance thresholds have updated for 2023!
- Medicare Advantage Versus Medicare Supplement – What’s the difference?
- Shingles vaccines are $0 in 2023 thanks to the Inflation Reduction Act!
- Medicare Premium is Going Down in 2023! Medicare Annual Enrollment Period is here!
- Protecting Yourself Against Medicare Scams
- Medicare changes when moving to or from New Jersey
- Medicare Premium Payment Options
- NJ PAAD and Senior Gold raised their qualifications by $10,000 in 2022!
- The Medicare Advertisements should stop after December 7th!
- Medicare Open Enrollment Period Continues Until December 7th
- 2022 Medicare Open Enrollment Period
- What will you be billed for a hospital stay with Medicare coverage?
- Understanding Medicare and IRMAA - Income Related Monthly Adjustment Amount
- Does Medicare Cover Gym Membership?
- Are you insured when traveling with Medicare?
- Medicare and Dental
- What to Know when you Qualify for Medicare due to Disability in New Jersey
- What to Know About Medicare and COBRA
- What to Know About Visiting a New Jersey Social Security / Medicare Office
- Options for New Jersey Prescription Help
- How Important is the Medicare Star Rating?
- Medicare Assignment
- Why Should You Engage with a Medicare Broker?
- President Biden’s Medicare Plan
- A Guide to Medicare HMO and PPO Options
- Medicare Part D Senior Savings Model: An Overview
- Do You Need Help with Medicare.gov?
- Medicare and Acupuncture
- Medicare vs Medicaid: What's the Difference?
- What to Do When Helping Parents with Medicare
- Understanding the Medicare Plans in NJ
- Medicare and Coronavirus
- Delaying Medicare Part B
- Finding Medicare Assistance
- How Do I Sign Up for Medicare Part B in New Jersey?
- Medicare Help—Making Medicare Easy
- PAAD: New Jersey's Prescription Assistance Program
- Medicare Insurance Agents and Brokers
- Finding Your NJ Medicare Broker
- Medicare Part D Eligibility
- Medicare Advantage (Part C)
- New Jersey's Dual-Eligible Special Needs Plans - The Facts
- Medicare Eligibilty Age
- Medicare through Social Security Disability in New Jersey - You Don't Just Age into the System
- New Jersey Senior Gold Assistance Program- What You Need to Know
- Assistance Programs in New Jersey for Medicare Eligibles
- Top 7 Medicare Mistakes
- Utilizing Your New Jersey Medicare Insurance Agent
- Medicare and High Income: Does Income Change the Cost of Medicare?
- Changing Medigap Plans
- Why Am I Getting A Bill For a Medicare Physical Exam
- How Medicare Brokers Can Help
- Republican Plans for Medicare in 2020
- What You Need to Know About Medicare in New Jersey
- NJ PAAD Application Help
- What Really Is Medicare for All?