Can I keep my Medigap plan if I move to another state?
The short answer
Usually yes. Medigap plans work with Original Medicare, which is accepted nationwide, so your coverage generally moves with you when you relocate to another state.
The full explanation
Original Medicare is a federal program, and it doesn't have state borders. Medigap plans are built on top of that federal coverage, so in most cases your plan goes where you go.The main thing to watch is whether your current insurance company is licensed to sell in the state you're moving to. If they're not, your policy may be discontinued, and you'd need to find a new Medigap plan in your new state. That situation can feel stressful, but it does typically come with some consumer protections that give you the ability to enroll in a new plan, sometimes without full medical underwriting, meaning the insurer can't deny you based on your health history. The exact protections depend on the state you're moving to, and not every state handles this the same way.Your premium will almost certainly change with a new state, since Medigap pricing varies by location. The plan letter, like Plan G or Plan N, works the same way nationwide, but what you pay for it won't be the same. Contacting your insurer before the move, rather than after, gives you more time to sort out your options without a gap in coverage.
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