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

Congratulations on your decision to retire in Florida! This exciting new chapter comes with incredible sunshine and palm trees, but it's essential to understand the changes, especially regarding your Medicare coverage when relocating.

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

Update Your Address with Social Security

Changing your address with Social Security should be one of your first tasks after moving. It's crucial for maintaining accurate Medicare records. Prompt updates ensure that you receive essential mail and important plan information without delays.

Timing Is Key

Timing plays a critical role in your transition. If you plan to move to Florida, reach out to me as soon as your move date is confirmed. Planning ahead allows us to coordinate your Medicare enrollment so that it takes effect as close to your move date as possible.

Many individuals wait until after their move to start this process. This delay can result in issues, such as establishing a relationship with a new primary care provider (PCP). A proactive approach ensures a smoother transition, offering uninterrupted access to necessary healthcare services.

What You Should Know About Florida Medicare Advantage Plans

Many retirees are surprised to find that Florida Medicare Advantage plans can vary significantly from those in other states. These differences can be quite beneficial. Consider:

• A wide selection of plan options available in Florida.

• Access to a robust network of local providers.

• Additional perks, like dental, vision, and hearing coverage.

• Cost structures designed to better meet your financial needs.

  
  

As a local Medicare agent in Florida, I have successfully helped many retirees navigate the process of changing Medicare plans. I understand the local healthcare landscape, including doctors, hospitals, and plan options. Humana offers competitive benefits and an extensive provider network tailored to your healthcare needs in this beautiful region.

Establishing Care with a New PCP

After activating your new plan, establishing care with a PCP in your area becomes crucial. I can assist you with:

• Finding in-network doctors and specialists.

• Scheduling your initial appointment.

• Transferring your medical records from previous providers.

  
  

Taking these steps is key to guaranteeing continuity of care and avoiding delays in treatment or prescriptions.

Reviewing Your Prescription Coverage

It's important to understand that Florida plans may have different formularies (drug lists) compared to your previous plans. I will guide you through:

• Checking whether your medications are covered.

• Comparing copays and pharmacy networks.

• Preventing unexpected costs at the pharmacy counter.

  
  

Updating Your Billing and Contact Information

Before settling in completely, don’t forget to update:

• Your billing address with Medicare and your specific plan.

• Your pharmacy and mail-order services.

• Any automatic payments or premium deductions.

  
  

Seasonal Residents: Travel Flexibility

For snowbirds or those planning to live part-time in Florida, we can explore various Medicare options that offer travel flexibility. Some plans might include national networks or travel benefits, accommodating your unique lifestyle.

This is particularly important for those who split their time between Florida and another location.

How I Can Assist You

When you choose to work with me, you will receive personalized support throughout the entire transition process, including:

• 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 outstanding local healthcare providers.

  
  

If you're moving soon—or have already moved—let's ensure that your Medicare needs in Florida are addressed promptly and effectively.

Call me at (239) 309-9267, schedule an appointment online, or fill out the quick contact form to get started today!

If you want to understand more about being a snowbird in Florida, or are planning to make the transition: Read Here