Moving to a new state is an exciting time, but it also brings a variety of changes, including the need to update your healthcare coverage. If you’ve recently moved to Florida and are enrolled in a Medicare Advantage plan, you may be wondering if you can change your plan to better suit your new location. The good news is that, yes, you can change your Medicare Advantage plan after moving to Florida. Welcome to the Sunshine State! Here's what you need to know about updating your Medicare coverage.
Understanding Medicare Advantage Plans
Medicare Advantage plans, also known as Medicare Part C, are an alternative to Original Medicare (Parts A and B). These plans are offered by private insurance companies and provide all the benefits of Original Medicare, often with additional coverage for services like prescription drugs, dental, vision, and more.
However, Medicare Advantage plans are typically regional, meaning they are designed to serve specific geographic areas. When you move out of your plan’s service area, you may need to choose a new plan that is available in your new location.
Special Enrollment Period (SEP) for Moving
When you move to a new state, such as Florida, you qualify for a Special Enrollment Period (SEP). This SEP allows you to make changes to your Medicare Advantage plan outside of the standard enrollment periods.
When Does the SEP Begin?
Your SEP begins either the month before your move or the month you notify your current plan provider of your move, whichever comes first. The SEP generally lasts for two months after you move or notify your plan provider, giving you a window to select a new plan without facing any penalties or gaps in coverage.
Steps to Changing Your Medicare Advantage Plan
Here’s how you can change your Medicare Advantage plan after moving to Florida:
Notify Your Current Plan: As soon as you know you’re moving, notify your current Medicare Advantage plan provider. This will trigger your SEP and allow you to start the process of selecting a new plan.
Research New Plans: Florida offers a variety of Medicare Advantage plans, so it’s important to research and compare your options. Consider factors such as coverage benefits, provider networks, costs, and any additional services you may need.
Enroll in a New Plan: Once you’ve chosen a plan that meets your needs, you can enroll in it during your SEP. Your new coverage will typically begin the first day of the month after you enroll.
Confirm Your Enrollment: After enrolling in a new plan, make sure to confirm your enrollment and understand when your new coverage begins. This will help you avoid any potential lapses in coverage.
How Our Agents Can Help
At FWH & Associates, Inc., we understand that moving to a new state can be overwhelming, and changing your Medicare Advantage plan may feel like an added challenge. Our licensed agents are here to make the process as smooth and stress-free as possible.
Personalized Assistance
Our agents will work with you to understand your healthcare needs and preferences. We’ll help you compare the available Medicare Advantage plans in Florida and find one that offers the coverage and benefits you need.
Understanding Florida’s Medicare Landscape
Florida has a unique healthcare landscape with a wide range of Medicare Advantage plans to choose from. Our agents have in-depth knowledge of the local options and can guide you in selecting a plan that aligns with your lifestyle and healthcare requirements.
Enrollment Support
We’ll assist you with the enrollment process, ensuring that all necessary paperwork is completed and submitted on time. Our goal is to help you transition to your new Medicare Advantage plan seamlessly, so you can focus on enjoying your new life in Florida.
The Added Value of BlueDiamond Agencies
As a BlueDiamond Agency, FWH & Associates, Inc. has access to the highest tier of support from Florida Blue, which extends to each client. This designation means we offer more value and quality in care and support, ensuring that you receive the utmost attention and resources when selecting and managing your Medicare Advantage plan.
Welcome to Florida!
In summary, if you’ve recently moved to Florida, you can change your Medicare Advantage plan during a Special Enrollment Period. At FWH & Associates, Inc., our licensed agents are here to help you navigate this process and find the perfect plan to suit your new lifestyle in Florida.
Welcome to the Sunshine State! Call us today to speak with a licensed agent near you and learn more about your Medicare Advantage options. Let FWH & Associates, Inc. guide you in making the transition to your new plan as smooth as possible.