Life Event Playbook
Moving to a New State
Steps to Take
- Notify your current plan of move
- Compare new state plans
- Enroll in new plan or Original + Medigap
- Update providers and pharmacy
Key Deadlines
- SEP: month of move + 2 additional months if you tell plan before moving
Watch-Outs
- If you don't tell plan before moving, SEP shortens to 1 month + 2 after notice
Related
Disclaimer: Educational content only. Confirm your specific situation with SSA, Medicare, or a licensed professional.
Frequently Asked Questions
Where do I enroll or make changes?+
Most Medicare changes happen at ssa.gov/medicare or medicare.gov. Your state SHIP offers free counseling.
How strict are deadlines?+
Very. Missing a Special Enrollment Period often means waiting for the Annual Enrollment Period (Oct 15 – Dec 7) and facing late penalties.
Do I need an agent?+
Not required, but a licensed independent Medicare agent can compare plans across multiple carriers at no cost to you.
What if I miss a deadline?+
Use the General Enrollment Period (Jan 1 – Mar 31) for Part B, accepting any applicable late penalty. Some SEPs allow late enrollment for specific hardship reasons.