Medicare for Snowbirds: How to Handle Coverage When You Live in Two States

For retirees who split their time between two states, ensuring continuous Medicare coverage can be tricky. Whether you’re heading south for the winter or moving between homes, understanding how Medicare works across state lines will help you avoid unexpected gaps in care. Here’s how to navigate Medicare as a snowbird.

1. Original Medicare vs. Medicare Advantage: Which Works Best?

• Original Medicare (Parts A & B) covers care nationwide with any provider that accepts Medicare, making it ideal for snowbirds.

• Medicare Advantage (Part C) plans often have network restrictions (HMO or PPO), which may limit coverage outside your primary residence state.

  
  

2. Choosing the Right Medicare Plan for Dual Residency

• If you want flexibility, Original Medicare + Medigap is typically the best choice since it allows you to see providers in any state.

• If using Medicare Advantage, look for a PPO plan with nationwide coverage or ensure your secondary location has in-network providers.

  
  

3. Handling Prescription Drug Coverage

• Medicare Part D (Standalone Drug Plans): Check that your plan includes pharmacies in both states or consider a national chain.

• Medicare Advantage Plans with Drug Coverage: Confirm whether prescriptions can be filled in multiple locations.

  
  

4. Updating Your Address and Residency

• Medicare requires an official primary residence for enrollment.

• Medigap policies are state-specific, so changing residency may require switching plans.

• Some Medicare Advantage plans may require re-enrollment if you officially change states.

  
  

5. Tips for Managing Healthcare as a Snowbird

• Schedule Routine Appointments Before Traveling: Plan checkups and refills before relocating for the season.

• Check Provider Availability: Confirm that doctors and hospitals in both locations accept your plan.

• Use Telehealth Services: Medicare covers many virtual visits, making it easier to access care remotely.

• Carry Copies of Important Documents: Bring your Medicare card, supplemental insurance details, and prescription list when you travel.

  
  

Final Thoughts

Snowbirds need to plan ahead to ensure uninterrupted Medicare coverage while living in multiple states. Original Medicare offers more flexibility for travelers, while Medicare Advantage plans require careful provider and network selection. Reviewing your options and planning accordingly will help you maintain access to care no matter where you are.