What You Should Know About Medicare Advantage If You Live in Multiple States

Whether you’re a snowbird escaping the harsh winter, or you spend a significant amount of time traveling in different states, it’s essential to review your specific Medicare Advantage plan’s details and speak with your plan provider to understand how your coverage works across different states.

In general, here are some key points to consider about Medicare Advantage coverage:

1. Primary Residence: You must choose one location as your primary residence. This is where you will enroll in Medicare and where your plan will be based.
2. Network Restrictions: Medicare Advantage plans often have networks of preferred providers. If you live in multiple states, you may need to ensure that your plan’s network includes providers in both locations. Otherwise, you might face higher out-of-pocket costs for out-of-network services.
3. Plan Types:
   • PPO Plans: Preferred Provider Organization (PPO) plans offer more flexibility, allowing you to see out-of-network providers at a higher cost. This can be beneficial if you split your time between states.
   • HMO Plans: Health Maintenance Organization (HMO) plans typically have stricter network rules and may not cover out-of-network care except in emergencies.
4. Emergency Coverage: Most Medicare Advantage plans provide emergency coverage nationwide, so you will be covered for urgent care needs regardless of your location.

If you find Medicare Advantage plans too restrictive, consider enrolling in a HOP Medical or HOP Value Medical Medicare Supplement plan. Medicare Supplement plans work with Original Medicare and are accepted nationwide, providing more flexibility for those living in multiple states.