Moving to Florida for Retirement? Here’s What You Should Know About Your Medicare Coverage

If you’re moving to Florida for retirement, congratulations on starting a new chapter! Along with sunshine and palm trees, Florida also brings a few important changes—especially when it comes to your Medicare coverage when relocating.

If you’re enrolled in a Medicare Advantage (Part C) or Part D prescription drug plan, you’ll likely need to switch plans when you change your permanent residence to a new state.

Notify Social Security

When you move, be sure to update your address with Social Security as soon as possible. This helps ensure your Medicare records are accurate and that you receive important mail and plan information without delay.

Timing Is Everything

One of the most important things to keep in mind is timing. If you’re planning a move to Florida, it’s best to contact me before you move, once your move date is set in stone. That way, we can coordinate your Medicare enrollment after moving to take effect as close to your move date as possible.

Many people wait until after they’ve moved to start the process, which can lead to delays in getting established with a new primary care provider (PCP) and accessing care in their new area. Planning ahead helps ensure a smoother transition and uninterrupted access to the healthcare services you need.

What to Know About Florida Medicare Advantage Plans

Many people are surprised to learn that Florida Medicare Advantage plans often differ from those in other states in ways that can be very beneficial. These differences may include:

• A wide selection of plan options

• Access to a strong network of local providers

• Additional benefits such as dental, vision, and hearing coverage

• Cost structures that may better suit your needs

As a local Medicare agent in Florida, I’ve helped many retirees with changing Medicare plans after moving. I’m familiar with the local doctors, hospitals, and plan options available here. Humana offers competitive benefits and a robust provider network designed to support your healthcare needs in this region.

Establishing Care in Your New Area

Once your new plan is active, it’s important to establish care with a primary care provider (PCP) in your area. I can help you:

• Find in-network doctors and specialists

• Schedule your first appointment

• Transfer medical records from your previous providers

This step is key to ensuring continuity of care and avoiding delays in treatment or prescriptions.

Reviewing Prescription Coverage

Florida plans may have different formularies (drug lists) than your previous plan. I’ll help you:

• Check if your medications are covered

• Compare copays and pharmacy networks

• Avoid surprises at the pharmacy counter

Updating Your Billing and Contact Info

Don’t forget to update:

• Your billing address with Medicare and your plan

• Your pharmacy and mail-order services

• Any automatic payments or premium deductions

Seasonal Residents and Travel Flexibility

If you’re a snowbird or plan to live in Florida part-time, we can explore options that offer flexibility for travel or dual residency. Some plans may include national networks or travel benefits that support your lifestyle.

How I Can Help

When you work with me, I’ll guide you through the entire process:

• Reviewing your current plan and identifying any gaps

• Exploring Humana Medicare Florida plans available in your new ZIP code

• Helping you enroll within your Special Enrollment Period

• Connecting you with local healthcare providers

📍 If you’ve recently moved—or are planning to—let’s make sure your Medicare help in

Florida is personalized and timely.

📞 Give me a call at (239) 309-9267, book online, or fill out the quick contact form to get started.

If you are a snowbird, or are planning on becoming a Florida snowbird: Click Here