Can You Keep Your Medigap When You Move to Florida?
If you already have a Medigap policy from another state, the good news is that Medigap plans are federally standardized — your Plan G from Ohio covers exactly the same things as Plan G in Florida. The coverage travels with you.
You don't need to cancel your existing policy immediately. However, you may want to shop for a new Florida-based Medigap policy because Florida premiums may differ significantly from your current state. Moving to Florida is generally a good time to compare rates.
Switching Medigap Plans After Moving
Florida is a 'guaranteed issue' state for certain situations, but moving alone doesn't automatically give you a new Open Enrollment Period for Medigap. You may need to go through medical underwriting when switching carriers.
However, if your current Medigap plan is leaving your area or you qualify for a guaranteed issue situation, you may be able to switch without underwriting. Contact T65Navigator to review your specific situation and explore your options.
Finding Florida Doctors Who Accept Medicare
Florida has a large Medicare-accepting provider network — over 90% of Florida doctors accept Medicare. Use Medicare's provider directory at medicare.gov/care-compare to find:
- Primary care physicians in your new Florida city or county
- Specialists you may need
- Hospitals that accept Medicare
With Medigap (unlike Medicare Advantage), you're not restricted to a network. Any Florida provider who accepts Medicare will also accept your Medigap coverage — no referrals, no authorizations.
Medicare Advantage: What Happens When You Move
If you have Medicare Advantage instead of Medigap, moving to Florida is a bigger deal. Your current Medicare Advantage plan's network likely doesn't extend to Florida. Moving to a new state gives you a Special Enrollment Period to switch Medicare Advantage plans or switch to Original Medicare plus Medigap.
This is actually an excellent opportunity: moving to Florida triggers guaranteed issue rights for certain Medigap plans, which may allow you to enroll in Medigap without medical underwriting. This window is limited — contact T65Navigator promptly after your move.