What happens if a Medicare beneficiary moves to a different state regarding their Supplement plan?

When a Medicare beneficiary moves to a different state, they may need to reapply for a new policy because Medicare Supplement plans are not portable across state lines. Each state has its own regulations regarding Supplement plans, and the coverage options may vary significantly from one state to another. This means that what is available in the beneficiary's new state might not be the same as what they had in their previous state.

The requirement to reapply ensures that beneficiaries are enrolled in a plan that meets the specific laws and options available in their new location. While some basic benefits under Medicare Supplement plans are standardized, the specific plans and premiums can differ from state to state. Therefore, a beneficiary should review their options carefully after relocating to ensure they have appropriate coverage for their healthcare needs.

This process of reapplying allows beneficiaries to select a plan that is compliant with the state’s regulations and that fits their healthcare needs, maintaining quality coverage as they transition to a new residence.